@newhis wrote:
@Revelate wrote:JLK did post some pretty compelling evidence there is a boundary on clean files (even if I explicitly did not have one on my dirty scorecard) where age of youngest account does have breakpoints for scorecard assignment.
Just picking out of the wind that's what I'd put my money on more than some small balance twiddling. Did the number of revolvers with balances shift at all?
I'm not a big fan of the bucketing argument as usually it's proven false but I'm just tossing out conjectures.
Yes.
7 revolvers with balance last month (no charge card), 6 revolvers with balance this month (1 of them a charge card). Total 11 cards (7 individual and 4 AU).
- 4 credit cards changed from balance to $0,
- 2 credit cards changed from $0 to balance,
- 1 charge card from $0 to balance,
- 3 cards reported a balance both months (1 PIF by due date, 1 has BT, 1 has 0% promo)
In the before and after snapshot, what was the split between AU's and non-AU cards with balances?
@newhis wrote:
@Revelate wrote:In the before and after snapshot, what was the split between AU's and non-AU cards with balances?
11/08:
- 4 non-AU
- 3 AU
12/08:
- 5 non-AU
- 1 AU (this is a charge card)
Interesting.
EX FICO 8 at least for me I have a line at 50% of cards reporting a balance where I take a hit (your scorecard may be different but I kinda doubt it on this one).
If we're talking FICO 8, those AU's may or may not be counted. For the sake of the argument let's assume the charge card AU is counted and at most one of the other ones is. Since we don't know the details of the anti-abuse algorithm it's at least within the realm of possibility.
That would be 11/08: 5/11
12/8: 6/11, which would be a drop based on my data.
For me it'd be like 7-8 points, but your DW's score is so much prettier than mine it could well explain a 13 point drop. Anyway easy way to rule it out is just reduce the absolute number of cards with balances down to 5 or fewer on the next update, if you get the points back it was this, if you don't may be something else... but unfortunately with these sorts of changes you have to rule things out.
@newhis wrote:The AU was the problem. At least that's what I think.
The AU card was not used for few months, reported a balance and my DW score dropped. It reported a balance on June then November.
Looking at my scores, they dropped too but I didn't think about this card.
My DW was able to upgrade her free EX report to include the score. Her EX score today is 800.
Util still at 3%. The AU reports $0 now.
I still don't know if the drop was for the AU counted as more than 50% cards reported, or because the card was not used in almost 5 months.
I guess her short credit history and her good scores make those swings possible. 1 AU reporting a balance 13 points down, the AU now reporting $0, 16 points up.
Guess the 3 extra points are from having 1 less HP or newest account 1 year old.
No new bucket for her. Let's see what happens in 2 months when the AoOA is 3 years.
Thank you everyone.
I didn't see any movement getting to 3 years AAOA, I was hoping for a bump but nothing across all 3 bureaus and this is the 3rd time I've crossed it. I have a little bit of hope for 4 and more hope at 5 years at least, will be interested to see if you find differently on a clean file.
Card being idle for 5 months should be nothing, I've never seen anything where FICO cares unless on the theory it discounts tradelines over a certain no reporting window and I suspect that's way more than 5 months.
Confirmation that AU is counting though at least heh, and actually if the score rebounded after payment presumably it was number of acounts with balance.