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@Anonymous wrote:My update for May 2021. No change.
- EQ 8 761 on a CLEAN file with 4 open bankcards (MC/VISA/AMEX/DISCOVER, no retail) and 1 closed SSL (Shared Secure Loan)
- EQFRI Adjusted EQ AUTO 8 Score: 703 (-43pts from 746)
- 5% to 4% aggregate
- -$428 aggregate balance
- 4-of-4 accounts with balances to 3-of-4
But 24 FICO scores are up anywhere from +2 to +20 and I gained +7 on my middle mortgage score (now 748).
And I got a Ruby
(1yr 3mo since any inquiry) for the first time in my 3yr5mo total credit file history. (2yr5mo with credit cards.)
@Anonymous i'm thinking you may see something at 30 months.
@Anonymous wrote:
@Anonymous wrote:My update for May 2021. No change.
- EQ 8 761 on a CLEAN file with 4 open bankcards (MC/VISA/AMEX/DISCOVER, no retail) and 1 closed SSL (Shared Secure Loan)
- EQFRI Adjusted EQ AUTO 8 Score: 703 (-43pts from 746)
- 5% to 4% aggregate
- -$428 aggregate balance
- 4-of-4 accounts with balances to 3-of-4
But 24 FICO scores are up anywhere from +2 to +20 and I gained +7 on my middle mortgage score (now 748).
And I got a Ruby
(1yr 3mo since any inquiry) for the first time in my 3yr5mo total credit file history. (2yr5mo with credit cards.)
@Anonymous i'm thinking you may see something at 30 months.
Me too. Only goin' up from here!
Peak FICO 8 scores might be around 775 on this scorecard which may go up to AAoA 3yr0mo, or February 2022 for me. ( I can't hit 800 without the SSL trick - I lost 30pts when that reported closed back in January 2019.)
That was quite an unexpected gain in points at AAoA 1yr6mo when all CRAs shifted to FAIR from POOR on "Credit History Length". I'm thinking there's going to be a shift from FAIR to GOOD at AAoA 3yr0mo along with some positive score changes.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:My update for May 2021. No change.
- EQ 8 761 on a CLEAN file with 4 open bankcards (MC/VISA/AMEX/DISCOVER, no retail) and 1 closed SSL (Shared Secure Loan)
- EQFRI Adjusted EQ AUTO 8 Score: 703 (-43pts from 746)
- 5% to 4% aggregate
- -$428 aggregate balance
- 4-of-4 accounts with balances to 3-of-4
But 24 FICO scores are up anywhere from +2 to +20 and I gained +7 on my middle mortgage score (now 748).
And I got a Ruby
(1yr 3mo since any inquiry) for the first time in my 3yr5mo total credit file history. (2yr5mo with credit cards.)
@Anonymous i'm thinking you may see something at 30 months.
Me too. Only goin' up from here!
Peak FICO 8 scores might be around 775 on this scorecard which may go up to AAoA 3yr0mo, or February 2022 for me. ( I can't hit 800 without the SSL trick - I lost 30pts when that reported closed back in January 2019.)
That was quite an unexpected gain in points at AAoA 1yr6mo when all CRAs shifted to FAIR from POOR on "Credit History Length". I'm thinking there's going to be a shift from FAIR to GOOD at AAoA 3yr0mo along with some positive score changes.
@Anonymous you're on a mature card, I don't think it has a peak other than 850. You just need age.
@Anonymous wrote:
@Anonymous wrote:
Peak FICO 8 scores might be around 775 on this scorecard which may go up to AAoA 3yr0mo, or February 2022 for me.
@Anonymous you're on a mature card, I don't think it has a peak other than 850. You just need age.
I should have said 'bin'. I still think that's what's happening on the C8 card. Sub-binning - a very common term in data analytics.
Because others with much more age aren't experiencing what I am down here at the low end of total credit history. I have no idea if that's happening per-characteristic and influencing other characteristics, or just a general x-year wide bin weighting.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Peak FICO 8 scores might be around 775 on this scorecard which may go up to AAoA 3yr0mo, or February 2022 for me.
@Anonymous you're on a mature card, I don't think it has a peak other than 850. You just need age.
I should have said 'bin'. I still think that's what's happening on the C8 card. Sub-binning - a very common term in data analytics.
Because others with much more age aren't experiencing what I am down here at the low end of total credit history. I have no idea if that's happening per-characteristic and influencing other characteristics, or just a general x-year wide bin weighting.
@Anonymous Totally agree and bin is the proper term. In other words the maximum base score you can reach at a particular time. I think it's probably not per characteristic, but per length of history category, but I could be wrong. I'm just guessing.
@Anonymous @Anonymous
Now that SO has 7 actively reporting/open SLs:
No red flags now that SO is in the "resilient" range.
EQ is lowest F8 score at 661
7 Open installment loans
4 Open revolving accounts (including 1 AU)
3 Closed installment loans (2 are COs)
1 Closed Revolving account
Util:
18% aggregate ($2422 owed)
69% individual
1% individual
0% individual
2% individual (AU)
Per MyFico:
AAoA 8y 3m
AoOA 16y 11m
Edit:
HP: 0/12, 1/24
New Accounts: 3/12, 6/24 (including 1 AU and 1 installment loan)
[DELETED] Moved here.
@Anonymous wrote:@Anonymous @Anonymous
Now that SO has 7 actively reporting/open SLs:
No red flags now that SO is in the "resilient" range.
EQ is lowest F8 score at 661
7 Open installment loans
4 Open revolving accounts (including 1 AU)
3 Closed installment loans (2 are COs)
1 Closed Revolving account
Util:
18% aggregate ($2422 owed)
69% individual
1% individual
0% individual
2% individual (AU)
Per MyFico:
AAoA 8y 3m
AoOA 16y 11m
Edit:
HP: 0/12, 1/24
New Accounts: 3/12, 6/24 (including 1 AU and 1 installment loan)
interesting 👍🏻
Wow . . . a lot of information, great presentation and very well organized!!!