10, 17, 27 point losses - deleted AU card

[Anonymous]

@Anonymous also how many revolvers with a balance did you have before and after the score change?

[Anonymous]

Hi Birdman, My numbers were to test the concept so I didn't do all the accounts; I'm sure yours are correct. No balance was on the account.

As far as other accounts here goes;  
8 closed student loans with 2 90day lates from 2014 & 2013; opened in 2011 and closed in 2016; 

1 closed student loan paid as agreed opened 2008/ closed 2016;

2 open student loans opened in 2016; paid as agreed

Car lease payment opened 3/2019 paid as agreed; 

[Anonymous]

@Anonymous 5 open revolvers; 2 with balances after closing before it was 6 and 2;

also let me clarify- i was au on two other accounts that are closed; they're reporting closed but still show up. I do not know if they're included in my ages or not. None have balances; one was open in 2015 closed/ $500 cl closed in 2018; the other open 2014/ $2400 cl closed 2018;

also, i just updated original post to mention EX just posted 27 point loss, referenced my new address. 

[Anonymous]

Edited:

@Anonymous I would like to know whether or not it was actually removed from your account or simply marked as terminated. ACR reports

You may also see some points at some bureaus next month as your AoYA hits 12 months. You will not experience scorecard reassignment even though you’re AoYRA will be 12 months because you’re in a dirty card.

I missed the fact that you posted a loss on Experian as well, let me think some more and I'm gonna need the specific loan open dates to calculate average age of accounts. 

also when specifically were the lates?

[Anonymous]

The address definitely was not the reason, when specifically were those lates? it possible they aged off?

[Anonymous]

@Anonymous ?

[Anonymous]

@Anonymous I've looked everything up;

It's slightly different than I previously posted. 

8 closed student loan accounts with derogatories: 

2 opened 11/2009 & closed 12/2016

2 opened 3/2011 & closed 12/2016

2 opened 9/2011 & closed 12/2016

2 opened 5/2012 & closed 12/2016

Lates were  90'days in 12/2013 & 9/2014

turns out the 2013 lates dropped off EQ & EX; TU is reporting 5 lates from 2013 & 5 from 2014; I hadn't noticed that until

I checked my report to get the information you requested 

1 additional SL from 4/2008 closed 12/2006 paid as agreed 

car lease payment: Opened 3/2019 paid as agreed ; 

I just ordered my new report, and from what I can tell the (updated) Cap1au has been deleted from EQ and EX; it still shows up on TU as terminated; l

AUTO

closed acct-auto loan- opened 10/12/2016 

closed acct-auto loan opened 3/17/2013 closed 6/28/2013

closed acct-auto loan opened 6/28/2013 closed 6/2016

closed acct-auto loan opened 5/31/2016 closed 5/1/2019

Closed 9/27/2017;

# of revolving with balances 

now I have 5 open accounts and 3 with balances; AMEX raised my cl then decided to update my file and refresh my balance mid cycle so i had 2 extra cards reporting; it was about $500 

installment

Personal Loan- opened 12/19/15 closed 2/2019

Personal Loan- opened 05/26/2016 closed 2/2019

Personal Loan- opened 2/24/2012 closed 8/2012

[Anonymous]

So the extra card reporting may be responsible, sounds like.

[NRB525]

For the BofA HP in August, did that result in an approval? New account reporting yet?

The oldest account is 1982? And that is not an AU account?

[Anonymous]

@NRB525 Boa HP in August resulted in approval for the 38yr account. I was previously an au on that card with my aunt. She graciously allowed me to apply as a co-borrower on the account. 

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