topic Re: No Score Change!! in Understanding FICO® Scoring

No Score Change!!

dallasjetfan — Sat, 17 Nov 2007 19:00:56 GMT

I have had three "credit negatives" happen to me in the last month and none of them have affected my score. Maybe it is because they are being reported on the same day that I had an increase or maybe they don't affect our score as much as thought.

I had 3 inquiries and a closed account and my score is exactly the same as it was 4 weeks ago. I was really worried these inquiries would kill my score, but I guess not!

Re: No Score Change!!

Anonymous — Sat, 17 Nov 2007 19:04:19 GMT

Yeah, I've noticed that FICO scoring is weird. I got a judgement removed from my Experian report and my score dropped a point. I don't understand that at all.

Re: No Score Change!!

haulingthescoreup — Sat, 17 Nov 2007 20:23:49 GMT

@Anonymous wrote:
Yeah, I've noticed that FICO scoring is weird. I got a judgement removed from my Experian report and my score dropped a point. I don't understand that at all.

Was it old? Maybe your history was shortened...

Re: No Score Change!!

fused — Sat, 17 Nov 2007 23:37:47 GMT

FretlessMayhem wrote:
Yeah, I've noticed that FICO scoring is weird. I got a judgement removed from my Experian report and my score dropped a point. I don't understand that at all.

How old was this judgment?

Re: No Score Change!!

fused — Sat, 17 Nov 2007 23:39:09 GMT

@haulingthescoreup wrote:

@Anonymous wrote:
Yeah, I've noticed that FICO scoring is weird. I got a judgement removed from my Experian report and my score dropped a point. I don't understand that at all.

Was it old? Maybe your history was shortened...

Judgments and all other public records are not factored in credit length history scoring, collections however do.

Re: No Score Change!!

haulingthescoreup — Sun, 18 Nov 2007 00:32:52 GMT

I will never keep track of all this cr*p, not unless I quit one of my jobs...

thanks!

Re: No Score Change!!

fused — Sun, 18 Nov 2007 01:04:04 GMT

haulingthescoreup wrote:
I will never keep track of all this cr*p, not unless I quit one of my jobs...

thanks!

What's with the sad face? I didn't know squat some years back, so look at what this and other forums have taught me. Heck I learn something new everyday at this forum and that's no joke.

Message Edited by fused on 11-17-2007 03:04 PM

Re: No Score Change!!

haulingthescoreup — Sun, 18 Nov 2007 02:02:55 GMT

Well, yes, but there are times that every time I learn something, I have to forget something to make room for it. (Howzat?)