topic Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850! in Understanding FICO® Scoring

10 Months in the FICO Penalty Box - Finally Made it Back to 850!

Octopus — Thu, 14 Dec 2023 03:13:26 GMT

After completing the FICO-8 hat trick some 5 years ago and coasting for 3 years with perfect 850's, my scores took a 39 point hit earlier thus year. That was to be expected, as I leased a new car, then another car loan a few months later. My scores began to creep up again and last month I finally got them back to perfection. It's good to be back!

p.s. Not sure what happened with my username, but I hadn't logged in for a while and now all my previous posts are under "Anonymous". Is there any way to get this fixed?

Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850!

pizzadude — Thu, 14 Dec 2023 03:34:36 GMT

@Octopus wrote:
After completing the FICO-8 hat trick some 5 years ago and coasting for 3 years with perfect 850's, my scores took a 39 point hit earlier thus year. That was to be expected, as I leased a new car, then another car loan a few months later. My scores began to creep up again and last month I finally got them back to perfection. It's good to be back!

p.s. Not sure what happened with my username, but I hadn't logged in for a while and now all my previous posts are under "Anonymous". Is there any way to get this fixed?

Welcome back, and congrats on hitting the FICO jackpot again !

The site administrators earlier this year implemented a change whereby idle accounts are deleted and converted to Anonymous accounts, see this thread for details. Unfortunately there's no way to restore your previous account.

Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850!

Zoostation1 — Thu, 14 Dec 2023 04:45:05 GMT

Congrats on getting back to 850!

Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850!

Zoostation1 — Thu, 14 Dec 2023 04:52:05 GMT

@pizzadudeThe thread they posted is **bleep** near useless if they don't give us a time frame on how long before deletion happens. Is threre any info out there on how long the period of inactivity needs to be before our account is deleted (I couldn't find anything). It's the sort of info I consider mandatory for them to provide imo.

Edit : had no idea that the other spelling of dam is going to be a bleep.

Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850!

pizzadude — Thu, 14 Dec 2023 14:10:35 GMT

Sorry @Zoostation1 , we weren't given any additional information about the timeframe for idle accounts to be deleted. I'll ask again if they can provide some clarification. I will say that I'm fairly certain it's in years not months though.

Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850!

Zoostation1 — Fri, 15 Dec 2023 00:17:50 GMT

Thanks! I don't have any plans to quit the forum but it's just good info to have.

Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850!

CorpCrMgr1 — Sat, 24 Feb 2024 03:35:55 GMT

@pizzadude wrote:
@Octopus wrote:
After completing the FICO-8 hat trick some 5 years ago and coasting for 3 years with perfect 850's, my scores took a 39 point hit earlier thus year. That was to be expected, as I leased a new car, then another car loan a few months later. My scores began to creep up again and last month I finally got them back to perfection. It's good to be back!

p.s. Not sure what happened with my username, but I hadn't logged in for a while and now all my previous posts are under "Anonymous". Is there any way to get this fixed?

Welcome back, and congrats on hitting the FICO jackpot again !

The site administrators earlier this year implemented a change whereby idle accounts are deleted and converted to Anonymous accounts, see this thread for details. Unfortunately there's no way to restore your previous account.

There is a way, but the administrators apparently don't want to spend the money. If the administrators cared about old information, then posts about credit cards that no longer exist would be removed. Posts about CC with a former financial institution listed as the issuer would be gone. The site is full of clutter. A member name didn't add to the clutter.

Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850!

Thomas_Thumb — Sat, 24 Feb 2024 16:14:13 GMT

@pizzadude wrote:
Sorry @Zoostation1 , we weren't given any additional information about the timeframe for idle accounts to be deleted. I'll ask again if they can provide some clarification. I will say that I'm fairly certain it's in years not months though.

Early last year I could not get into my account (not receiving email for 2 factor ID verification). I called and was told that my account was dormant and my personal info had been deleted. The CSR said they do that for security reasons if an account has not been active for 2 years. She told me I could create a new account. I said that was not a viable option and that I had been on MyFico forums just 3 weeks ago.

She again checked and said records showed it was over 2 years since I had purchased a Fico product. I said participation on the forums was free and there was no requirement to purchase a service. (In my case both my service account and Free MyFico forum account used the same user name and pwd).

I asked to speak to a supervisor. I reiterated that my concern was access to and participation on the forums. I mentioned that creating a new account would cause me to lose lose my reply history and picture library. The supervisor agreed to investigate. I also submitted a troubleshooting ticket.

Subsequently, I received a call from some manager. After reviewing my situation, the manager said my account with history still existed in the system. They emailed a temporary pwd allowing my to regain access while keeping my user name and history intact. Perhaps I caught them in process before my account was deleted. In any event, they retrieved my account.

Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850!

Thomas_Thumb — Sat, 24 Feb 2024 16:48:21 GMT

@Octopus wrote:
After completing the FICO-8 hat trick some 5 years ago and coasting for 3 years with perfect 850's, my scores took a 39 point hit earlier tthi year. My scores began to creep up again and last month I finally got them back to perfection. It's good to be back!

What were your Classic Fico 9 scores pre drop?

Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850!

CorpCrMgr1 — Sat, 24 Feb 2024 17:47:06 GMT

Strange a company that believes it must keep information for a decade or longer for it to give you a CS has an issue with two year old user names. A ten year history is potentially a better source of identity theft information then a user name.

Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850!

Kforce — Sat, 24 Feb 2024 17:50:43 GMT

@Zoostation1 wrote:
@pizzadudeThe thread they posted is **bleep** near useless if they don't give us a time frame on how long before deletion happens. Is threre any info out there on how long the period of inactivity needs to be before our account is deleted (I couldn't find anything). It's the sort of info I consider mandatory for them to provide imo.

Kind of like card issuers on closing cards and Fico scoring on age, etc.

"Par for the course".

This is the myFico forum !

Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850!

CorpCrMgr1 — Sat, 24 Feb 2024 17:56:39 GMT

Went back to look at you old hat trick post. MyFICO gave you the same name? When I recreated my new profile, for a day I had my same former user name. Then I couldn't sign in using it. The service rep said it had belonged to someone else in the prior (Duh, ME!) and names could not be reused. I had to come up with another user name and PW. Mmmmmmm......!!!!!!

Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850!

dunn2500 — Tue, 05 Mar 2024 13:43:31 GMT

760 or 780 and above is the same as 850 for lending, but what an over 800 score does that a 760 doesnt do is give the person some room for algorithyms to flucuate and still be in tier 1

to me this is the advantage of carrying higher score

mine jumps all over the board with very little input on my end....balances go up and down a hair but the continuity doesnt seem to really be consisitent.....having say an 820 or 830 gives a buffer while still being in top tier under day to day adjustments of the fico algorithym

Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850!

Thomas_Thumb — Tue, 05 Mar 2024 17:57:33 GMT

Fico 780 is the new 760. With credit score inflation many lenders are looking for 780 to bestow best rates.

Fico top tier score starts at 800. (source: Experian via American Express)

Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850!

CorpCrMgr1 — Thu, 14 Mar 2024 02:12:13 GMT

Interestly, I found a user that has not posted in eight years and two days. Rank is Frequent Contributor. Guess some posters are special.

Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850!

pizzadude — Thu, 14 Mar 2024 13:22:14 GMT

@CorpCrMgr1 wrote:
Interestly, I found a user that has not posted in eight years and two days. Rank is Frequent Contributor. Guess some posters are special.

I believe that user accounts aren't inactivated for not posting, only for not logging into the site.

Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850!

CorpCrMgr1 — Thu, 14 Mar 2024 14:23:08 GMT

@pizzadude Mine and what appears to be lots of others has been changed to anomalous.

Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850!

pizzadude — Thu, 14 Mar 2024 14:34:24 GMT

@CorpCrMgr1 wrote:
@pizzadude Mine and what appears to be lots of others has been changed to anomalous.

Yes, this is on accounts considered inactive, I was just pointing out that posting isn't required here to remain active, only logging in.