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Strange. MYFICO length of credit history changes after last two baddies

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ScarletFever
Frequent Contributor
‎07-27-2014 06:24 PM
‎07-27-2014 06:24 PM

Strange. MYFICO length of credit history changes after last two baddies

 fell off my reports. My report went from 'negative factors affecting your credit score-you have a short credit history' to, "you have an established credit history" after last two baddies fell off and scores went up 50 points. Just when you think you have a handle on things...

.Citi FICO-836 Barclays TU FICO; 827. Discover Fic0-826; CK:EQ-821; TU-819; CS-819; Total credit-$165,500: NASA-29,700; AMEX BCP-17,000; AMEX EDP-20,000; CSP-14,400; Barclay Ring-10,000; Discover It-9,000; U.S.Bank Sig Visa13,000; United TeleTech Federal Credit Union-$9000; Citi Double Cash-9900; Citi TYP-7,700; Discover Cashback Bonus-7,200;Chase Freedom-6,500; AMEX HHilton Honors-5000; Barclay NFL Extra Points-$5000. Utility always 1-2%
Message 1 of 12
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11 REPLIES 11
fused
Moderator Emeritus
‎07-27-2014 06:48 PM
‎07-27-2014 06:48 PM

Re: Strange. MYFICO length of credit history changes after last two baddies

@ScarletFever wrote:

 fell off my reports. My report went from 'negative factors affecting your credit score-you have a short credit history' to, "you have an established credit history" after last two baddies fell off and scores went up 50 points. Just when you think you have a handle on things...

Congrats! What kind of baddies?

Message 2 of 12
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ScarletFever
Frequent Contributor
‎07-27-2014 07:33 PM
‎07-27-2014 07:33 PM

Re: Strange. MYFICO length of credit history changes after last two baddies

A Direct Loan 120 day-I thought was in deferrence-would be 7 years next month but is gone now, and a First Premier 30 day from 2-2 1/2 years ago that was removed last week by a VP I wrote to because an annual fee was charged, and I was unaware when it happened. FP had no alerts or email messaging at the time.

.Citi FICO-836 Barclays TU FICO; 827. Discover Fic0-826; CK:EQ-821; TU-819; CS-819; Total credit-$165,500: NASA-29,700; AMEX BCP-17,000; AMEX EDP-20,000; CSP-14,400; Barclay Ring-10,000; Discover It-9,000; U.S.Bank Sig Visa13,000; United TeleTech Federal Credit Union-$9000; Citi Double Cash-9900; Citi TYP-7,700; Discover Cashback Bonus-7,200;Chase Freedom-6,500; AMEX HHilton Honors-5000; Barclay NFL Extra Points-$5000. Utility always 1-2%
Message 3 of 12
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New_Beginning
Frequent Contributor
‎07-27-2014 09:21 PM
‎07-27-2014 09:21 PM

Re: Strange. MYFICO length of credit history changes after last two baddies

Congratulations! 

Starting Score: EQ 615 (MyFICO) TU 588 (Walmart) EX 576 (EX Website) Started this journey 06/26/2014
Current Score: EQ 710 (MyFICO) TU 673 (Walmart) TU 726 (MyFICO) EX 706 (MyFICO) As of Sep 2015
Goal Score: 750 or higher across the board
Take the myFICO Fitness Challenge
Message 4 of 12
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bdhu2001
Valued Contributor
‎07-27-2014 09:42 PM
‎07-27-2014 09:42 PM

Re: Strange. MYFICO length of credit history changes after last two baddies

Congrat!

Original Mortgage maturity Sept 2044; Refi maturity Dec 2030
Starting Score: EX 751 EQ 720 TU 737 on 4/9/14
Current Score: EX 849 EQ 835 TU 843
Goal Score: 850

Take the myFICO Fitness Challenge
Message 5 of 12
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alvon123
Super Contributor
‎07-28-2014 07:33 AM
‎07-28-2014 07:33 AM

Re: Strange. MYFICO length of credit history changes after last two baddies

congrats


Message 6 of 12
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ScarletFever
Frequent Contributor
‎07-28-2014 10:20 AM
‎07-28-2014 10:20 AM

Re: Strange. MYFICO length of credit history changes after last two baddies

Love it when that happens!
.Citi FICO-836 Barclays TU FICO; 827. Discover Fic0-826; CK:EQ-821; TU-819; CS-819; Total credit-$165,500: NASA-29,700; AMEX BCP-17,000; AMEX EDP-20,000; CSP-14,400; Barclay Ring-10,000; Discover It-9,000; U.S.Bank Sig Visa13,000; United TeleTech Federal Credit Union-$9000; Citi Double Cash-9900; Citi TYP-7,700; Discover Cashback Bonus-7,200;Chase Freedom-6,500; AMEX HHilton Honors-5000; Barclay NFL Extra Points-$5000. Utility always 1-2%
Message 7 of 12
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coldnmn
Mega Contributor
‎07-28-2014 12:26 PM
‎07-28-2014 12:26 PM

Re: Strange. MYFICO length of credit history changes after last two baddies

Congrats! Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 8 of 12
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ScarletFever
Frequent Contributor
‎07-28-2014 06:18 PM
‎07-28-2014 06:18 PM

Re: Strange. MYFICO length of credit history changes after last two baddies

Thank you coldnmn!
.Citi FICO-836 Barclays TU FICO; 827. Discover Fic0-826; CK:EQ-821; TU-819; CS-819; Total credit-$165,500: NASA-29,700; AMEX BCP-17,000; AMEX EDP-20,000; CSP-14,400; Barclay Ring-10,000; Discover It-9,000; U.S.Bank Sig Visa13,000; United TeleTech Federal Credit Union-$9000; Citi Double Cash-9900; Citi TYP-7,700; Discover Cashback Bonus-7,200;Chase Freedom-6,500; AMEX HHilton Honors-5000; Barclay NFL Extra Points-$5000. Utility always 1-2%
Message 9 of 12
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fused
Moderator Emeritus
‎07-29-2014 02:46 PM
‎07-29-2014 02:46 PM

Re: Strange. MYFICO length of credit history changes after last two baddies

@ScarletFever wrote:

A Direct Loan 120 day-I thought was in deferrence-would be 7 years next month but is gone now, and a First Premier 30 day from 2-2 1/2 years ago that was removed last week by a VP I wrote to because an annual fee was charged, and I was unaware when it happened. FP had no alerts or email messaging at the time.

The 50 point boost seems reasonable for an old 120-day-late and a more recent 30-day-late falling off of your reports. I'm wondering if you received the message about having an established credit history came from hitting a date in the scoring formula. How long is your credit history? What is your AAoA?

Message 10 of 12
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