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At the beginning of this little FICO trip, EQ said that this was a positive. In green. Dark green, even. Long account history:
Your oldest account was opened
23 Years, 4 Months ago
Most FICO High Achievers [?] have an average age of accounts between 6 and 12 years.
One hundred seventeen points later EQ says this is a NEGATIVE (short account history):
Your oldest account was openedSo, is this an issue related to having been rebucketed? I'm a math person, I can take the brutal truth.
Honest.
atlast.....still working on the finer points of credit Zen...like waiting for Godo....er...Scorewatch alerts...
@Anonymous wrote:
Please list all accounts open and closed currently. Might be that you cleaned it all up but are missing the minimum of open accounts with history if you went through a clean up stage.
MidnightVoice wrote:Good stuff from my EQ report - What’s helping your FICO score
You have an established credit history.
Your oldest account was opened 20 years ago
Most FICO High Achievers opened their oldest account 19 years ago, on average.
Average age of your accounts 8 years
Most FICO High Achievers have an average age of accounts between 6 and 12 years
Bad stuff from DW's EQ report - What’s hurting your FICO score
You have a short credit history.
Your oldest account was opened 20 years ago
Most FICO High Achievers opened their oldest account 19 years ago, on average.
Average age of your accounts 8 years
Most FICO High Achievers have an average age of accounts between 6 and 12 years
@atlastontheroad wrote:Ok, I don't feel so lonely in EQ-crazyland.TU is my cleanest and is what gets pulled for the only planned credit event in the next year or so. With any luck, paying three small (all less than $75) balances in the last couple weeks to zero and paying down UTI to 20% will bump scores up to the next lower IR band with my CU.So I'm just going to let it be. EQ is what EQ is. TU doesn't hate me, EX positively loves me. By the end of summer, at least one score over 700 is my new goal.Once June has come and gone, the garden is gonna lay fallow until next March. Unless I get an offer I can't refuse.atlast....
smallfry wrote:
Are you one of the lucky few who gets TU pulls for Chase and Citi? I always get the 25 month special EX pulls for those two issuers.