topic Re: TU Score changes - 3 to 4 cards - All 9 scores in Understanding FICO® Scoring

TU Score changes - 3 to 4 cards - All 9 scores

Anonymous — Fri, 24 Apr 2020 22:12:53 GMT

My American Express Blue Cash Everyday card finally showed up at TransUnion. Opened 2/13/2020, reported 04/23/2020.

No changes to the 8's, minor loss on the 9's, major loss on the 4's. TU4 from 738 to 720...ouch.

CRADIS

"Fourth Card"

BASE REPORT

04/10/2020

No derogatories
No delinquencies
1 closed loan
3 open revolving
Mastercard [$2000 CL]
VISA [$11,500 CL]
Discover [$4,000 CL]
0 inquiry TU
PAYMENT HISTORY: EXCEPTIONAL
AMOUNT OF DEBT: VERY GOOD
CREDIT HISTORY LENGTH: POOR
AMOUNT OF NEW CREDIT: GOOD
CREDIT MIX: VERY GOOD
AoOA: 2 yr 4 mo | AoORA: 1yr 4mo
AAoA: 1 yr 4 mo | AAoRA: 0yr 11mo
AoYA: 0 yr 2 mo | AoYRA: 0yr 2mo
Mastercard Utilization: 5% [4.806]
Visa Utilization: 2% [1.179]
Discover Utilization: 9% [8.881]
Aggregate Balance: $586
Aggregate Utilization: 4% [3.354]
Accounts with Balances: 3 [100%]
Total Credit Limit: $17,500

CURRENT REPORT

Base Differential

04/24/2020

4 open revolving
AAoA: 1 yr 1mo | AAoRA: 0yr 9mo
AMEX Utilization: 4% [4.00]
Aggregate Balance: $1046
Aggregate Utilization: 4% [3.610] [4%, no effective change]
Accounts with Balances: 4 [100%]
Total Credit Limit: $29,000

Score reports from myFICO's FICO Premier subscription and CK/VS3.

TransUnion

8		741	04/24	Short credit history	No recent loan activity	Short Revolving Credit History	Too many accounts with balances
		741	04/10	Short credit history	No recent loan activity	Short Revolving Credit History	Too many accounts with balances

9	-3	729	04/24	Short credit history	Too many accounts with balances	No recent loan activity	Short Revolving Credit History
		732	04/10	Short credit history	No recent loan activity	Too many accounts with balances	Short Revolving Credit History

4	-18	720	04/24	Short credit history	Short Revolving Credit History	Too many accounts with balances	Amount owed rev accts too high
		738	04/10	Short credit history	Short Revolving Credit History	Amount owed rev accts too high	No recent loan activity

BC8		746	04/24	Short credit history	No recent loan activity	Too many accounts with balances	Short Revolving Credit History
		746	04/10	Short credit history	No recent loan activity	Too many accounts with balances	Short Revolving Credit History

BC9	-3	740	04/24	Short credit history	Too many accounts with balances	No recent loan activity	Short Revolving Credit History
		743	04/10	Short credit history	No recent loan activity	Too many accounts with balances	Short Revolving Credit History

AU8		733	04/24	Short credit history	No recent loan activity	Too many accounts with balances	No recent auto loan activity
		733	04/10	Short credit history	No recent loan activity	Too many accounts with balances	No recent auto loan activity

AU9	-3	736	04/24	Short credit history	Too many accounts with balances	No recent loan activity	Short Revolving Credit History
		739	04/10	Short credit history	No recent loan activity	Too many accounts with balances	Short Revolving Credit History

AU4	-17	712	04/24	Short credit history	No recent loan activity	Short Revolving Credit History	Too many accounts with balances
		729	04/10	Short credit history	Short Revolving Credit History	No recent loan activity	Amount owed rev accts too high

BC4	-19	742	04/24	Short credit history	Short Revolving Credit History	Too many accounts with balances	Amount owed rev accts too high
		761	04/10	Short credit history	Short Revolving Credit History	Amount owed rev accts too high	Few accounts in good standing

VS3	-8	731	04/24
		739	04/10

Re: TU Score changes - 3 to 4 cards - All 9 scores

AllZero — Fri, 24 Apr 2020 22:02:52 GMT

Thank you for sharing. It'll be interesting to see if any score improvement on TU4 when AoYRA reach 3 and 6 months

Re: TU Score changes - 3 to 4 cards - All 9 scores

Anonymous — Fri, 24 Apr 2020 23:32:35 GMT

@AllZero wrote:
Thank you for sharing. It'll be interesting to see if any score improvement on TU4 when AoYRA reach 3 and 6 months

This is what happened to all 28 FICO scores the last time I was at AoYA/AoYRA 3mo. TU 4 models went up +8 to +21.

I'm crossing my fingers for next month's (May) 3B report at AoYA 3mo, but I don't expect such dramatic changes this time.

Re: TU Score changes - 3 to 4 cards - All 9 scores

Mr_Mojo_Risin — Fri, 24 Apr 2020 23:35:19 GMT

Still have really good scores though! Glad your card finally reported!!

Re: TU Score changes - 3 to 4 cards - All 9 scores

Anonymous — Sun, 26 Apr 2020 04:54:25 GMT

I'm thinking you may have experienced scorecard reassignment from thin > thick on TU4.

Any action on EX2? Looking forward to EQ5.

Re: TU Score changes - 3 to 4 cards - All 9 scores

Anonymous — Sun, 26 Apr 2020 04:58:25 GMT

It definitely lowered ages, AAOA, AAORA, AoORA, so the age codes moving makes sense. I bet the too many account with a balance is number 5, being less important on a thick card.

Re: TU Score changes - 3 to 4 cards - All 9 scores

Anonymous — Sun, 26 Apr 2020 05:03:48 GMT

@Anonymous wrote:
It definitely lowered ages, AAOA, AAORA, AoORA, so the age codes moving makes sense. I bet the too many account with a balance is number 5, being less important on a thick card.

'Too many accounts with a balance' moved UP on the 4's and 9's. The bolded factors are the changes from the last report.

It wasn't even there on the 4's with 3 cards. 4th card shows up and all of them suddenly have that factor.

It remains to be seen if 'Few accounts in good standing' is still there on BC4. I think it might be at #5 after 'too many accounts' pushed it off.

Re: TU Score changes - 3 to 4 cards - All 9 scores

Anonymous — Sun, 26 Apr 2020 07:31:49 GMT

@Anonymous wrote:
@Anonymous wrote:
It definitely lowered ages, AAOA, AAORA, AoORA, so the age codes moving makes sense. I bet the too many account with a balance is number 5, being less important on a thick card.
'Too many accounts with a balance' moved UP on the 4's and 9's. The bolded factors are the changes from the last report.

It wasn't even there on the 4's with 3 cards. 4th card shows up and all of them suddenly have that factor.

It remains to be seen if 'Few accounts in good standing' is still there on BC4. I think it might be at #5 after 'too many accounts' pushed it off.

Wow, not enough sleep. I read it upside down, lol. OK, so it either makes an appearance or moves up on TU4 and moves up on 9. I'm not sure this feels like the scorecard reassignment you should be experiencing.

Considering you went from 100% of revolvers with a balance to 100% of revolvers with a balance and maintained Ag utiliation, this may support the theory of raw numbers as opposed to percentages being a threshold for this metric. I was honestly expecting a scorecard reassignment across the board for you to thick, but it may take the next account. Maybe the number is 6, rather than 5.

BUT, you could be experiencing reassignment on TU4. Maybe thats not a code on thin cards in TU4? Strange you would not get it at 100% of revolvers with a balance. Maybe it is percentages and the code just doesn't exist on TU4 thin cards? Gotta think more.

What about EX2? EX3? EX3 is an '04 algorithm, like TU4 and EQ5.

Re: TU Score changes - 3 to 4 cards - All 9 scores

Anonymous — Sun, 26 Apr 2020 15:57:05 GMT

@Anonymous wrote:

What about EX2? EX3? EX3 is an '04 algorithm, like TU4 and EQ5.

The new Amex card hasn't shown up yet at EX. Just EQ and TU.

Still no alert from myFICO or the free Experian Basic. Even the free EX monitoring sent me an alert right away for each of the inquiries from AMEX/Discover.

I'm going to skip getting an EQ 1B for this. I'll just wait for the monthly 3B in May, but there will most likely be some good AoYA/AoYRA 3mo gains on that report. It's not a good month to test anything. Still going to let all cards report 4%.

Re: TU Score changes - 3 to 4 cards - All 9 scores

Anonymous — Sun, 26 Apr 2020 22:09:32 GMT

Surprised that it hasn’t showed up yet on EX. That’s crazy it showed up on the other two first. You may have went through scorecard reassignment at TU and if you did, you probably did at Equifax as well. Shame, it sure would be good to see what codes changed at EQ before conflation. But I’m grateful for the data we have received!

Re: TU Score changes - 3 to 4 cards - All 9 scores

Anonymous — Sun, 26 Apr 2020 23:03:43 GMT

@Anonymous wrote:
Shame, it sure would be good to see what codes changed at EQ before conflation. But I’m grateful for the data we have received!

I like to offset my spending with savings somewhere else. I'm skipping scallops next week because of this $15.96 TU 1B purchase. The things I do for data science...

When I bought the 1B this time, I was asked to upload a picture of a Government-issued ID! That caught me off guard, since I've been a myFICO subscriber for close to a year and a half and was never asked for it before. No big deal, did it, they verified it within 30 minutes, and I had my report right away.

I got a reply from support saying that it was because of my (new this time) TU security freeze. I froze EQ/EX as well, shortly after I got the Discover card.

Re: TU Score changes - 3 to 4 cards - All 9 scores

Anonymous — Mon, 27 Apr 2020 01:06:17 GMT

I totally understand and that’s why like I said we are grateful for everything we do get, especially with your attention to detail.

That is extremely weird as typically all of mine are frozen and I don’t recall having to ever do that.

Re: TU Score changes - 3 to 4 cards - All 9 scores

Anonymous — Mon, 27 Apr 2020 01:18:36 GMT

@Anonymous wrote:
I totally understand and that’s why like I said we are grateful for everything we do get, especially with your attention to detail.

That is extremely weird as typically all of mine are frozen and I don’t recall having to ever do that.

Thank you.

Well, now I feel singled out. lol Yeah, that's what they said - security freeze.

I haven't needed it for the 2 monthly 3B's since I had all CRAs frozen. Just this one-off TU 1B.

Re: TU Score changes - 3 to 4 cards - All 9 scores

Anonymous — Mon, 27 Apr 2020 01:51:14 GMT

Were you getting too much spam Cassie?

Re: TU Score changes - 3 to 4 cards - All 9 scores

Anonymous — Mon, 27 Apr 2020 02:06:55 GMT

@Anonymous wrote:
Were you getting too much spam Cassie?

From myFICO? Spam at my registered email?

Re: TU Score changes - 3 to 4 cards - All 9 scores

Thomas_Thumb — Mon, 27 Apr 2020 22:42:56 GMT

@Anonymous wrote:
@AllZero wrote:
Thank you for sharing. It'll be interesting to see if any score improvement on TU4 when AoYRA reach 3 and 6 months
This is what happened to all 28 FICO scores the last time I was at AoYA/AoYRA 3mo. TU 4 models went up +8 to +21.

I'm crossing my fingers for next month's (May) 3B report at AoYA 3mo, but I don't expect such dramatic changes this time.

FWIW -

Below is some data on TU Fico 8 over time for a thin profile with only two credit cards. No installment loans open or closed and no closed cards. File is clean with no lates. Both cards are allowed to report monthly balances naturally and then statement balances are PIF.

Both cards were opened in the 12/2015 - 1/2016 timeframe. The card holder was new to credit and had no Fico score previously. She did have an L2C score primarily derived from rental payment history.

Looking at a graph of score over time it appears there are step changes in baseline score as denoted by the red horizontal lines. Unfortunately, historical score and balance history was not readily available for card #1 which means aggregate utilization and card #1 utilization could not be determined early on. Both cards are used almost every month with card #1 being used more heavily as a general rule.

Month	TU FICO8	EX FICO9	Card 2 UT	Card 1 UT	Ag UT
Sep-19	779	784	0.3%	22.0%	9.0%
Oct-19	770	780	1.5%	1.6%	1.5%
Nov-19	779	784	1.3%	2.2%	1.6%
Dec-19	779	785	1.7%	6.4%	3.3%
Jan-20	779	785	0.2%	19.2%	6.5%
Feb-20	775	781	0.1%	20.7%	6.4%
Mar-20	772	781	0.7%	0.5%	0.7%
Apr-20	781	***	0.0%	***	***

Month	TU FICO8	Card 2 UT
Jan-16	n/a	***
Feb-16	n/a	***
Mar-16	n/a	1.2%
Apr-16	n/a	24.4%
May-16	n/a	4.6%
Jun-16	731	1.8%
Jul-16	716	2.4%
Aug-16	714	9.0%
Sep-16	721	5.0%
Oct-16	723	17.5%
Nov-16	721	5.1%
Dec-16	729	15.1%
Jan-17	738	9.3%
Feb-17	736	14.6%
Mar-17	738	14.2%
Apr-17	738	11.0%
May-17	738	14.5%
Jun-17	740	18.0%
Jul-17	714	6.4%
Aug-17	751	3.7%
Sep-17	751	6.0%
Oct-17	751	11.1%
Nov-17	751	5.1%
Dec-17	767	12.3%
Jan-18	752	3.5%
Feb-18	753	2.3%
Mar-18	753	14.5%
Apr-18	752	1.1%
May-18	754	3.7%
Jun-18	759	5.8%
Jul-18	759	2.6%
Aug-18	759	3.1%
Sep-18	759	4.0%
Oct-18	760	3.3%
Nov-18	760	1.5%
Dec-18	778	5.0%
Jan-19	764	4.6%
Feb-19	769	5.0%
Mar-19	769	1.6%
Apr-19	775	4.9%
May-19	775	4.7%
Jun-19	776	5.7%
Jul-19	776	2.1%
Aug-19	794	5.4%
Sep-19	779	0.3%
Oct-19	770	1.5%
Nov-19	779	1.3%
Dec-19	779	1.7%
Jan-20	779	0.2%
Feb-20	775	0.1%
Mar-20	772	0.7%
Apr-20	781	0.0%

Re: TU Score changes - 3 to 4 cards - All 9 scores

Anonymous — Mon, 27 Apr 2020 19:16:01 GMT

@Thomas_Thumb wrote:
FWIW -

Below is some data on TU Fico 8 over time for a thin profile with only two credit cards. No installment loans open or closed and no closed cards. File is clean with no lates. Both cards are allowed to report monthly balances naturally and then statement balances are PIF.

Both cards were opened in the 12/2015 - 1/2016 timeframe. The card holder was new to credit and had no Fico score previously. She did have an L2C score primarily derived from rental payment history.

Looking at a graph of score over time it appears there are step changes in baseline score as denoted by the red horizontal lines.

This is very interesting to me, since I had 2 cards for 1yr 2mos before adding 2 more.

I also had a closed installment loan on file that was open for one year, and reported closed on the same report that my first 2 cards showed up.

Her Dec 17 score of 767, at 2yrs 0mo total credit history (2yrs revolving) is higher than I was able to achieve with 2yrs 1mo total credit history, 1yr1mo of which was revolving history. (TU 8 761, 1yr 1mo total revolving history, 0 inq, 1 of 2 cards with a balance [0,6%,agg 5%])

Length of revolving credit history seems much more important.

Re: TU Score changes - 3 to 4 cards - All 9 scores

REDBOYYY56 — Mon, 27 Apr 2020 19:36:48 GMT

Hey guys,where are you getting that colorful print out of your credit updates? it says " credit reporting agency display information system".

Thank you !

Re: TU Score changes - 3 to 4 cards - All 9 scores

Anonymous — Mon, 27 Apr 2020 20:19:05 GMT

@REDBOYYY56 wrote:
Hey guys,where are you getting that colorful print out of your credit updates? it says " credit reporting agency display information system".
Thank you !

@REDBOYYY56, welcome to the forums!

You'll have to wait until your 'forum rank' reaches 'Member' before you can add images to your signature - when 'New' goes away. It should happen fairly quickly if you sign in regularly, make a post or two, read a bunch of stuff.

My signature is output from a program I wrote to track my credit profile. But you can add a really nice signature display by reading this thread.

Re: TU Score changes - 3 to 4 cards - All 9 scores

REDBOYYY56 — Mon, 27 Apr 2020 20:47:32 GMT

Thanks for replying CassieCard.I've been a member for almost two year, but this is my very first post.I've learn so much and continue to learn. I've always been able to find answers to all my questions and concerns on this forum.

Unlike many other forums this forum always sticks to the subject or questions that's being asked !!!!