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10, 17, 27 point losses - deleted AU card

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Super Contributor

Re: 17 point loss - deleted AU card

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

For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 11 of 34
Highlighted
Regular Contributor

Re: 17 point loss - deleted AU card

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; 

 

FICO 8
1/2020 EQ714 TU736 EX719
2/2020 EQ718 TU744 EX736
5/2020 EQ723 TU741 EX730
7/2020 EQ725 TU750 EX755
8/2020 EQ725 TU746 EX744
9/2020 EX718 EQ715 TU722
Cards:
NFCU Visa Sig Cash Rewards $28k cl
Amex Gold
Amex HH Aspire $40k cl
Synchrony Bank -Bowflex $7500 cl
BoA Visa Cash Rewards $24k cl
Message 12 of 34
Highlighted
Regular Contributor

Re: 17 point loss - deleted AU card

@Birdman7 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. 

 

 

FICO 8
1/2020 EQ714 TU736 EX719
2/2020 EQ718 TU744 EX736
5/2020 EQ723 TU741 EX730
7/2020 EQ725 TU750 EX755
8/2020 EQ725 TU746 EX744
9/2020 EX718 EQ715 TU722
Cards:
NFCU Visa Sig Cash Rewards $28k cl
Amex Gold
Amex HH Aspire $40k cl
Synchrony Bank -Bowflex $7500 cl
BoA Visa Cash Rewards $24k cl
Message 13 of 34
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Super Contributor

Re: 17 point loss - deleted AU card

Edited:

 

@kkboom 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?

For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 14 of 34
Highlighted
Super Contributor

Re: 17 point loss - deleted AU card

The address definitely was not the reason, when specifically were those lates? it possible they aged off?
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 15 of 34
Highlighted
Super Contributor

Re: 17 point loss - deleted AU card

@kkboom ?

For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 16 of 34
Highlighted
Regular Contributor

Re: 17 point loss - deleted AU card

@Birdman7 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

 

FICO 8
1/2020 EQ714 TU736 EX719
2/2020 EQ718 TU744 EX736
5/2020 EQ723 TU741 EX730
7/2020 EQ725 TU750 EX755
8/2020 EQ725 TU746 EX744
9/2020 EX718 EQ715 TU722
Cards:
NFCU Visa Sig Cash Rewards $28k cl
Amex Gold
Amex HH Aspire $40k cl
Synchrony Bank -Bowflex $7500 cl
BoA Visa Cash Rewards $24k cl
Message 17 of 34
Highlighted
Super Contributor

Re: 17 point loss - deleted AU card

So the extra card reporting may be responsible, sounds like.
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 18 of 34
Highlighted
Super Contributor

Re: 10, 17, 27 point losses - deleted AU card

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?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 19 of 34
Highlighted
Regular Contributor

Re: 10, 17, 27 point losses - deleted AU card

@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. 


 

FICO 8
1/2020 EQ714 TU736 EX719
2/2020 EQ718 TU744 EX736
5/2020 EQ723 TU741 EX730
7/2020 EQ725 TU750 EX755
8/2020 EQ725 TU746 EX744
9/2020 EX718 EQ715 TU722
Cards:
NFCU Visa Sig Cash Rewards $28k cl
Amex Gold
Amex HH Aspire $40k cl
Synchrony Bank -Bowflex $7500 cl
BoA Visa Cash Rewards $24k cl
Message 20 of 34
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