Oh, by the way, all my scores move at a glacial pace, especially as I rose above the 800 mark.
Starting Score: 469
@Junejer wrote:AZEO helps to maximize your mortgage scores. No one promises that AZEO should cause your scores some dramatic increase. What I'd be interested in seeing is the science on how AZEO made your mortgage scores go down, all other things being equal.
While not science, I do have a datapoint of 1; in October and December of 2021 I was AZEO, in between those two months I went AZE3 with one card having a single large charge (new high end washer and dryer) posting literally the day before the statement cut, but the payment for them posted the day after the statement was released. The following are my Mortgage scores from those months:
Bureau -- Oct -- Nov -- Dec
EQ-M5 -- 727 -- 715 -- 727
EX-M2 -- 738 -- 734 -- 738
TU-M4 -- 739 -- 725 -- 744
Yeah, the deviation wasn't huge when I went from AZEO to AZE3 with one card which normally reported a balance of $0 suddenly showing a balance of about $2,700 (for all of 48 hours), but the change in the scores was noticeable.
I had something similar happened to me and I was able to call every single one of the credit company and speak to a live person the only time I had trouble, by that I mean more than one call, was Experian. TransUnion and Equifax I got on the phone with someone that could help me, Within 5 minutes. I had no idea they had the authority to change your score, via changing your credit file in real time. But that was done on my behalf by a very nice person that I spoke with at TransUnion, and soon after Equifax and Experian followed suit! I think people are so far removed from the credit bureaus, they don't realize, that there are live people you can interact with with a relative ease. They have control of your credit file in real time. Hope that helps give them a call
@Horseshoez wrote:
@Junejer wrote:AZEO helps to maximize your mortgage scores. No one promises that AZEO should cause your scores some dramatic increase. What I'd be interested in seeing is the science on how AZEO made your mortgage scores go down, all other things being equal.
While not science, I do have a datapoint of 1; in October and December of 2021 I was AZEO, in between those two months I went AZE3 with one card having a single large charge (new high end washer and dryer) posting literally the day before the statement cut, but the payment for them posted the day after the statement was released. The following are my Mortgage scores from those months:
Bureau -- Oct -- Nov -- Dec
EQ-M5 -- 727 -- 715 -- 727
EX-M2 -- 738 -- 734 -- 738
TU-M4 -- 739 -- 725 -- 744
Yeah, the deviation wasn't huge when I went from AZEO to AZE3 with one card which normally reported a balance of $0 suddenly showing a balance of about $2,700 (for all of 48 hours), but the change in the scores was noticeable.
Thanks for that dp. I would be interested in what the CL was on that card that reported $2,700.
Also, I've realized with the pandemic, they've been a lot more lenient.(you're now able to get a credit report weekly as opposed to annually)
The reason I called was because I missed a payment, one of the sub-prime cards I had a couple years back, First Premier Bank, doesn't have an auto pay feature. I wanted to grow my credit quickly so, I opened a bunch of cards, all but maxed them out, and made a lot of minimum payments! This helped me with the "many payments made" factor in the algorithm.(yes, I paid a little bit of Interest, but it was worth it to me, to get my scores in the high 700s) In all of the chaos I ended up missing one payment. I figured I was stuck, for the 7 years. Not the case. One day my score drop almost 40 points out of nowhere! I was pretty concerned, and I decided to take a shot calling the credit bureaus. I called TransUnion first and got a very nice gentleman, I explained the situation; that I hadn't done anything wrong in the immediate past, that would be a detriment to my scores. He took it upon himself, to mention the one missed payment from the First Premier Bank, he actually said "we'll just take that off"!!! He literally removed the entire account from my TransUnion credit report! My score immediately shot up 60 points! I wasn't expecting that, and I still don't know to this day, why my score went down out of nowhere, with no adverse action on my part. I ended up disputing the missed payment with the other two bureaus Experian and Equifax, after having written a "Goodwill letter", to no avail. They conceded, and agreed to change the missed payment, and just market it closed by grantor. I had paid it off and closed the account myself, out of frustration, but I'll absolutely take the change! I had no idea they had that much control over our reports. It certainly ended up working in my favor! My scores are pretty good, all this within 2 years! I'm not getting great starting limits, but I think after gardening for about 12 months, things will begin to look up. I've actually locked all three of my credit reports, as not to tempt me. LOL I suppose, in retrospect, it was mostly luck, in my case. My point is, they do have the authority to make changes, to our reports. I had no idea... hope this helps. Happy holidays!