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I'll change scorecards in November if I don't do anything stupid. All version 8 over 800 except Experian 797
@Anonymous wrote:@Anonymous actually most of them have went up, but just haven't taken time to post an update yet I've only got 10 under 800 now I think.
Oh...well then Congratulations! on your race to the bottom of the Resilience Index while continuing to improve your already great credit profile!
It's kind of like when one moves out of a new account scorecard and is considered an outcast on the forums. haha
@Anonymous Did a new pull dated 08/24/2020 and resilience index score is still 59 with 2 flags for high revolving balances and high percentage of accounts being revolving accounts. The 3 fico 08 scores are also unchanged at 816, 822, and 831. Please update my record accordingly. I seem to just be a high moderate resilience kind of guy. Just one more blasted point and I could tell everyone how sensitive I am, but nooooo!!! We all know what moderate means...too good to be bad, and yet too bad to be good...it is much like being stuck in the friend zone with a girl in my youth. Sounds good, but is really a curse. It means I got to cheer her up when she would break up with her badboy and attend the wedding when the good guy comes. Nobody wants to be in the friend zone or be moderate.
@sarge12 wrote:@Anonymous Did a new pull dated 08/24/2020 and resilience index score is still 59 with 2 flags for high revolving balances and high percentage of accounts being revolving accounts. The 3 fico 08 scores are also unchanged at 816, 822, and 831. Please update my record accordingly. I seem to just be a high moderate resilience kind of guy. Just one more blasted point and I could tell everyone how sensitive I am, but nooooo!!! We all know what moderate means...too good to be bad, and yet too bad to be good...it is much like being stuck in the friend zone with a girl in my youth. Sounds good, but is really a curse. It means I got to cheer her up when she would break up with her badboy and attend the wedding when the good guy comes. Nobody wants to be in the friend zone or be moderate.
Updated and pointing to your new post.
I'm really surprised I didn't get the flag for 'High Revolving Balances' when I let an aggregate balance of $1618 report in July.
That's the highest balance I've ever let report (I pay down a lot before statement, then PIF right after) since I've had credit cards, and it's always at/or below 9%, but everything is so much more sensitive on a new-to-credit (under 3yrs) profile.
I just get 'high percent of revolving accounts' (fair, all 4 open accounts are cards, 1 closed loan) and 'no recent installment history'.
lol @ the friendzone
I think my report score should improve once the September report comes in. Brought the principal on my Car loan down from $16K to $6.5 K and my credit utilization to 3% from 10%. Crossing fingers.
@joeyv1985 wrote:I think my report score should improve once the September report comes in. Brought the principal on my Car loan down from $16K to $6.5 K and my credit utilization to 3% from 10%. Crossing fingers.
I think you will get a nice score bump.
@sjt wrote:
@joeyv1985 wrote:I think my report score should improve once the September report comes in. Brought the principal on my Car loan down from $16K to $6.5 K and my credit utilization to 3% from 10%. Crossing fingers.
I think you will get a nice score bump.
Thanks sjt. There seems to be a lag in reporting on Wells Fargo's part. Per this website, the last car payment that was reported was in June by Experian. Nothing from TU and EQ since May. Quite the lag.
@tacpoly wrote:When all my cards reported 0, my Resilience Score improved from 56 with 2 flags last month to 43 with no flags this month, however, my FICO8 scores went down:
1% utilization reported for one card and my FICO8 scores went back up to 850s.
How do we play?
i think I've got a good one! I am working on my credit score but was pleasantly surprised with this! No red flags