topic Re: TFW EX FICO 2 in Understanding FICO® Scoring

TFW EX FICO 2

Revelate — Sat, 09 May 2020 16:24:35 GMT

So I had a small complaint in the #4 slot regarding revolving utilization.

3345ish/25000 AZEO style. OK slightly higher than 10% individual at a 794 which for me was my highest score ever anyway. Unlikely to be anything aggregate because regardless of how some tradelines like my HELOC and CU tradelines are factored I'm still around 150K aggregate revolving limit.

Forward to the other day where I saw more cash in hand than revolving balances so I just started kicking payments.

Chase reported, now at 1037/25000; yay +6 points... but wait for it: 800 EX FICO 2.

No more reason codes.

Fail.

I am considering applying for something to get another inquiry on EX just to have reason codes for that score again.

Re: TFW EX FICO 2

SouthJamaica — Sat, 09 May 2020 16:25:37 GMT

@Revelate wrote:
So I had a small complaint in the #4 slot regarding revolving utilization.

3345ish/25000 AZEO style. OK slightly higher than 10% individual at a 794 which for me was my highest score ever anyway. Unlikely to be anything aggregate because regardless of how some tradelines like my HELOC are factored I'm well above even 160K aggregate CL.

Forward to the other day where I saw more cash in hand than revolving balances so I just started kicking payments.

Chase reported, now at 1037/25000; yay +6 points... but wait for it: 800 EX FICO 2.

No more reason codes.

Fail.

I am considering applying for something to get another inquiry on EX just to have reason codes for that score again.

You are definitely too obsessed with reason codes Just let it be, please

I'll give you some of my multitudinous negative reason codes.

Re: TFW EX FICO 2

Revelate — Sat, 09 May 2020 16:25:47 GMT

@SouthJamaica wrote:
@Revelate wrote:
So I had a small complaint in the #4 slot regarding revolving utilization.

3345ish/25000 AZEO style. OK slightly higher than 10% individual at a 794 which for me was my highest score ever anyway. Unlikely to be anything aggregate because regardless of how some tradelines like my HELOC are factored I'm well above even 160K aggregate CL.

Forward to the other day where I saw more cash in hand than revolving balances so I just started kicking payments.

Chase reported, now at 1037/25000; yay +6 points... but wait for it: 800 EX FICO 2.

No more reason codes.

Fail.

I am considering applying for something to get another inquiry on EX just to have reason codes for that score again.
You are definitely too obsessed with reason codes Just let it be, please

Yeah but can't test stuff without them.

Almost as useless as an 850 tester now .

Re: TFW EX FICO 2

SouthJamaica — Sat, 09 May 2020 16:27:40 GMT

@Revelate wrote:
@SouthJamaica wrote:
@Revelate wrote:
So I had a small complaint in the #4 slot regarding revolving utilization.

3345ish/25000 AZEO style. OK slightly higher than 10% individual at a 794 which for me was my highest score ever anyway. Unlikely to be anything aggregate because regardless of how some tradelines like my HELOC are factored I'm well above even 160K aggregate CL.

Forward to the other day where I saw more cash in hand than revolving balances so I just started kicking payments.

Chase reported, now at 1037/25000; yay +6 points... but wait for it: 800 EX FICO 2.

No more reason codes.

Fail.

I am considering applying for something to get another inquiry on EX just to have reason codes for that score again.
You are definitely too obsessed with reason codes Just let it be, please
Yeah but can't test stuff without them.

Almost as useless as an 850 tester now .

You will always make yourself useful.

Re: TFW EX FICO 2

Anonymous — Sat, 09 May 2020 21:30:47 GMT

@Revelate wrote:
Chase reported, now at 1037/25000; yay +6 points... but wait for it: 800 EX FICO 2.

No more reason codes.

Fail.

I am considering applying for something to get another inquiry on EX just to have reason codes for that score again.

LOL I love everything about this.

Re: TFW EX FICO 2

Anonymous — Sun, 17 May 2020 08:27:00 GMT

Just up the balance and reverse the gain.

Re: TFW EX FICO 2

Revelate — Sun, 17 May 2020 08:54:33 GMT

@Anonymous wrote:
Just up the balance and reverse the gain.

I am sure that will happen naturally but one of the goal things was hopefully pushing revolving utilization off the table and seeing what was next on the list.

Totally not serious problems just idiosyncrasies in this hobby is all and admittedly I should really be focused on other things but we all need our escapes .

This one isn't actually detrimental at least.

Re: TFW EX FICO 2

Anonymous — Sun, 17 May 2020 13:45:52 GMT

If you put inquiries there, whatever is there is still going to be pushed off tho, right?

Sounds like you need to have a little higher utilization, but not high enough to trigger that code and then maybe it’ll drop it a couple points, so you can see what’s there now. But as high as your limits are, I guess that might not be possible, LOL.

Re: TFW EX FICO 2

Anonymous — Sun, 17 May 2020 13:48:20 GMT

@SouthJamaica wrote:
@Revelate wrote:
@SouthJamaica wrote:
@Revelate wrote:
So I had a small complaint in the #4 slot regarding revolving utilization.

3345ish/25000 AZEO style. OK slightly higher than 10% individual at a 794 which for me was my highest score ever anyway. Unlikely to be anything aggregate because regardless of how some tradelines like my HELOC are factored I'm well above even 160K aggregate CL.

Forward to the other day where I saw more cash in hand than revolving balances so I just started kicking payments.

Chase reported, now at 1037/25000; yay +6 points... but wait for it: 800 EX FICO 2.

No more reason codes.

Fail.

I am considering applying for something to get another inquiry on EX just to have reason codes for that score again.
You are definitely too obsessed with reason codes Just let it be, please
Yeah but can't test stuff without them.

Almost as useless as an 850 tester now .
You will always make yourself useful.

I can transfer some debt to you to get you back over 10%

Re: TFW EX FICO 2

Anonymous — Sun, 17 May 2020 14:50:27 GMT

😂

Re: TFW EX FICO 2

Remedios — Sun, 17 May 2020 15:11:43 GMT

They see me rollin', they hatin'

I guess short history is correct in credit time.

Accounts with balances, 2 out of 14

Seeking credit...is 4 accounts in 3 months seeking credit? Yeah, I thought so 👸

Many new accounts...totally went overboard last year.

Its ugly in my little corner, 2 currently sits at 732. A slight drop from 765 😐

Re: TFW EX FICO 2

Revelate — Sun, 17 May 2020 15:48:49 GMT

Laugh.

I still have an inquiry from the mortgage, once I have either another revolver report (2/18 = ding) or I go over what might be 2500 on the CSR again (or more likely 1K on the AOD) I will see if inquiries is on there now. If it is then shuffling it around not worried but if it's not to your point it doesn't work.

It's been years since I have been down to this few scoreable inquiries on EX; I'm getting old.

@Remedios seeking credit is explicitly inquiry complaints at any rate. What's interesting is for someone on THIS forum describing as going overboard on new accounts but it's in the #4 slot aka not much penalty.

Re: TFW EX FICO 2

Remedios — Sun, 17 May 2020 16:01:58 GMT

I have two scorable inquiries on EX (4 total), 0 on EQ, carnage on TU.

This are 5s complaints. To your point, no credit seeking because no inquires, it's at 733, so 1 point more than 2

High credit usage was 3% at the time, I believe 4 out of 14 were reporting balances.

I will be at accidental AZEO in a couple of weeks.

Re: TFW EX FICO 2

Anonymous — Sun, 17 May 2020 16:55:01 GMT

@Revelate wrote:
@Anonymous wrote:
Just up the balance and reverse the gain.
I am sure that will happen naturally but one of the goal things was hopefully pushing revolving utilization off the table and seeing what was next on the list.

Totally not serious problems just idiosyncrasies in this hobby is all and admittedly I should really be focused on other things but we all need our escapes .

This one isn't actually detrimental at least.

Sounds like Inquiries will pop up, since you still have 1, right? But the associated ding would have to be pretty small relatively.