@Anonymous wrote:
@Anonymous wrote:
but I'm telling you they are not counting because if they were not, you would've experienced scorecard reassignment for the new revolver and lost 10 to 20 points, which you did not. That's pretty conclusive and explicit.
With all due respect, I do not except anybody's claims as the truth without checking out all the evidence for those claims first. At first glance and assuming that the AUs count, me and my DW both changed scorecards from not-New to New on 11/6/19. My Ex F8 did raise 12 points on the day, and my DW's did not change. But I did not have time yet to evaluate that else happened on that day. According to your primer the 10 to 20 points loss is only an estimate. Predicting precisely what happens after a scorecard reassignment without a detailed analysis of the whole CR seems impossible to me. So please excuse me, if I do not except your statement as 100% proof that the AU's are not ignored.
@Anonymous I totally understand and you're a man after my own heart, I feel the same way! Good on you for wanting to ensure your information is correct. (But, I would note the authorised user test that you have to use to determine whether they are counting would also be relying on my word, unless you go through a whole lot to verify the test as well. 😉)
But, if you didn't have a revolver under 12 months of age, then when one reported you would've lost, yes 10 to 20 points, and we cannot give precise estimates because its scorecard dependent. Thin/young files are higher risk and the penalties are higher, etc...
You are correct that when scorecard reassignment occurs it re-evaluates the entire file and the results can be unpredictable. A detailed analysis of the profile in question is almost always required. However, there are a couple reassignments we are pretty certain in predicting the direction on Score 8:
If you get your first derogatory on a clean file, you're gonna be re-assigned to a dirty scorecard, and I can't imagine a case where the score would not decrease.
When a new revolver reports to a clean file and you don't have a revolver younger than 12 months of age, you're gonna have a score decrease. (The obverse is also true, when your youngest hits 12 months of age. The caveat to this is if it is one of your first 3 revolvers, there could be an exception.)
Obviously, if there are any additional changes, that could interfere and all bets are off. But in the absence of any other changes, those are the established effects.
E.g., we know where the line is between young and aged, but you can't bet on which way the score goes because it depends on the profile. It's not a situation where there's always a move in a certain direction and it does require a detailed analysis, as you stated.
Is November 6, 2019 when the card reported to your credit reports? May I ask how many revolvers that made for you at that time? Because assuming you both had more than 3 revolvers, there should have been a decrease unless other factors are at play, as you alluded may be possible.
