I mentioned this in a previous post on a CC forum, but I thought I'd post here for more feedback.
I was surprised that my Ex went up 80+ pts (from 651 to 733) with the falling off of a 7yo CO. TU went up around 25 pts, and I haven't checked Eq because the baddie is still there (grrr!). I've read many times that baddies matter less in FICO scoring as time goes on. That mode of thought seems a little at odds with my results.
Maybe it's because the CO "seemed" more recent for FICO purposes because the TL was updated once last year?? Incidentally, when that happened, I lost about 85 pts on my Ex score. Maybe I just answered my own question?! Then again, the TL was not updated on either TU or Eq though, but I experienced a nice jump (albeit less dramatic) on Tu as well. Hmmm...
Message Edited by lurknomore on
08-12-2008 10:04 AM