AMA: Dirty Scorecard, 786 EQ FICO 8, Ask Me Anything.

[FicoMike0]

@BallBounces 

Do it have an open installment loan? If not adding a ssl would give another data point. If you got the expected boost, you would break 800. If not, it would indicate a ceiling.

[BallBounces]

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@FicoMike0 wrote:

@BallBounces 

Do it have an open installment loan? If not adding a ssl would give another data point. If you got the expected boost, you would break 800. If not, it would indicate a ceiling.

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Hi Mike.

The exercise is not to break 800.   I have an open mortgage and an open auto loan.

(I have 5 Car Loans, a few mortgages, a HELOC, and Student Loans on my exceedingly thick credit files.)

[BallBounces]

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@Patient957 wrote: 

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I think that is essentially confirmatory of a dirty scorecard, or at least a very strong indication.

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That's what conventional wisdom would say, yes......

What if my score was five points higher,  791?   You'd still say it was a dirty scorecard?   What about 801?

[Patient957]

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@BallBounces wrote:

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@Patient957 wrote: 

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I think that is essentially confirmatory of a dirty scorecard, or at least a very strong indication.

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That's what conventional wisdom would say, yes......

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At this point, it's much more than just conventional wisdom.  It has been confirmed by experiment repeatedly by many board members.  And nobody (that I know of) has presented a shred of contrary evidence.

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@BallBounces wrote:

What if my score was five points higher,  791?   You'd still say it was a dirty scorecard?   What about 801?

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Ask me when your score gets to 791 or 801.

@Thomas_Thumb mentioned other cases of dirty scorecards in your range of scores around 780s.  I don't think anyone has suggested that 800+ is possible on a dirty scorecard.  So if you get there before your derogs age off, we'll all have something new to ponder and discuss.

[FicoMike0]

@BallBounces 

 My point was, if you picked up 30 points from a ssl, a score of 816 would be strong evidence of a clean scorecard. With 5 car loans, it's not an option. You're really into rolling stock!

[BallBounces]

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@Patient957 wrote:

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At this point, it's much more than just conventional wisdom.  It has been confirmed by experiment repeatedly by many board members.  And nobody (that I know of) has presented a shred of contrary evidence.

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We will disagree on the meaning of conventional wisdom then.  There are several anecdotes showing what we ASSUME to be people on a dirty scorecard with scores in the mid 780s.  I have seen a few of them over my last 17 years on these fora.  I am suggesting mine, and probably some of those MIGHT have been incorrectly assumed to be dirty in the first place, because of a lack of understanding that very aged 60 day lates no longer mark a "serious deliquency".

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@Patient957 wrote:

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Ask me when your score gets to 791 or 801.

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Unlikely to happen.  I need a car loan in the next few months before they age off.  Too bad that I could not test it!  For what it is worth, I do not recall seeing a score higher than 786 in prior dirty scorecard threads.  

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@Patient957 wrote:

@Thomas_Thumb mentioned other cases of dirty scorecards in your range of scores around 780s.  I don't think anyone has suggested that 800+ is possible on a dirty scorecard.  So if you get there before your derogs age off, we'll all have something new to ponder and discuss.

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Read message 29 of this thread, especially the end of it.  TT wrote it.  It sums my opinion well.   

We have some things to ponder now. My scorecard might be dirty. It might be clean.  The reason codes chnaged.  The score is notably high.  Thats the point of the thread:  To see if there is anything new to be gleaned.  

For my money, I am sitting somewhere around 50:50 on whether this scorecard is clean or dirty.  I think based on some of the items presented, it's a little silly to pretend it's not possible though.

[BallBounces]

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@FicoMike0 wrote:

@BallBounces 

 My point was, if you picked up 30 points from a ssl, a score of 816 would be strong evidence of a clean scorecard. With 5 car loans, it's not an option. You're really into rolling stock!

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Well of course they are not all open!  

[Thomas_Thumb]

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@BallBounces wrote:

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@Patient957 wrote:

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At this point, it's much more than just conventional wisdom.  It has been confirmed by experiment repeatedly by many board members.  And nobody (that I know of) has presented a shred of contrary evidence.

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We will disagree on the meaning of conventional wisdom then.  There are several anecdotes showing what we ASSUME to be people on a dirty scorecard with scores in the mid 780s.

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@Patient957 wrote:

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Ask me when your score gets to 791 or 801.

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For what it is worth, I do not recall seeing a score higher than 786 in prior dirty scorecard threads.  

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@Patient957 wrote:

@Thomas_Thumb mentioned other cases of dirty scorecards in your range of scores around 780s.  I don't think anyone has suggested that 800+ is possible on a dirty scorecard.  So if you get there before your derogs age off, we'll all have something new to ponder and discuss.

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We have some things to ponder now. My scorecard might be dirty. It might be clean.  The reason codes chnaged.  The score is notably high.  Thats the point of the thread:  To see if there is anything new to be gleaned.  

For my money, I am sitting somewhere around 50:50 on whether this scorecard is clean or dirty. 

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Back on 12/8/2017 @Revelate   mentioned having read a post where the author states having a Fico 8 score of 792 with an old 90 day late on file. 

 -see Revelate post 25 in the thread: "90Day Late Removed From EX - No Point Gain".

Unfortunately, there is no link to the earlier post where the 792 with a 90 day late was listed. Also, no thread title to find the post by searching.

P.S. fwiw - The OP in the above titled thread still had a slew of recent 30 day lates, some 60 days and perhaps a collection on file.

[Revelate]

Well here's a 793 from December 2024 on my TU FICO 8 which is dirty with a 60 day late on it @Thomas_Thumb 

60D 4/2018

I suspect that I'm in the bottom 2 of the top 8 scorecards and that 90 day late that was near exclusion counted similarly.

My EX FICO 8 from the same date was 849 for reference, it does not have the derogatory tradeline on it.

With 60D late

[Revelate]

Oh that's fun the 30/60 day got deleted this month.  Guess I need to pretty up balances and check new score.

I didn't pull before the exclusion but my Experian scores have stayed flat even with my mortgage pay down and payoff so no reason to think I got above 793 on TU with the 60D late.   Maybe could have gotten a little higher with more age, I didn't hit 850 on EX and the delinquent scorecards segment similarly to the rest of the top 8 anecdotally.