AU Scoring Data Points - Dirty file

[randomguy1]

Not sure if there's a master thread I should be contributing to, but I would like to share with the community. Added an AU account and they showed up on all credit bureaus.

EQ - Added AU (AU has the same address, EQ did not have any AU accounts listed previously, TU/EX had 1 AU reporting and now 2 reporting).

Look at those huge increases! The older models really responded well. 

Equifax:

FICO 5 - 750 +48

FICO 8 - 728 +29 (suspect this currently lower due to zero balance on AU)

FICO 9 - 774 +27

FICO Bankcard 5 - 762 +69

FICO Bankcard 8 - 739 +28

FICO Bankcard 9 - 772

FICO Auto 5 - 760 + 49

FICO Auto 8 - 751 +28

FICO Auto 9 - 772 +24

What's weird is TU FICO 8 went up +15 but EX FICO 8 didn't move (both have an AU account showing, now showing 2).

Aging metrics:

The front end GUI of Experian's 3B report didn't change  but here are the rest of the metrics:

Revolvers (all open):

13 months

18 months

13 months

10 months

177 months (AU - only present on EX\TU)

179 months  (AU - just added now)

Installment  (auto):

10 months (open)

16 months (closed)

45 months (closed) - dirty report - 20 lates (18 30d, 1 60d, 1 90d)

89 months (closed) - dirty report - 2 lates (30d)

124 months (closed)

Installment (mortgage)

124 months (closed) 

112 months (closed)

Change: Added an AU account that's been open 14 years, 11 months = 179 months

Also to note: Dirty file, two installment loans (auto) with lates (22, that includes 1 60 day, 1 90 day, and 20 30 days). This was before I understood credit and thought if I paid the last payment it reset the 30 days, I was continually one month behind for a long time. DOH

@Anonymous 

[randomguy1]

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@randomguy1 wrote:

Not sure if there's a master thread I should be contributing to, but I would like to share with the community. Added an AU account and they showed up on all credit bureaus.

EQ - Added AU (AU has the same address, EQ did not have any AU accounts listed previously, TU/EX had 1 AU reporting and now 2 reporting).

Look at those huge increases! The older models really responded well. 

FICO 5 - 750 +48

FICO 8 - 728 +29 (suspect this currently lower due to zero balance on AU)

FICO 9 - 774 +27

FICO Bankcard 5 - 762 +69

FICO Bankcard 8 - 739 +28

FICO Bankcard 9 - 772

FICO Auto 5 - 760 + 49

FICO Auto 8 - 751 +28

FICO Auto 9 - 772 +24

What's weird is TU FICO 8 went up +15 but EX FICO 8 didn't move (both have an AU account showing, now showing 2).

Aging metrics:

The front end GUI of Experian's 3B report didn't change  but here are the rest of the metrics:

Revolvers (all open):

13 months

18 months

13 months

10 months

Installment  (auto):

10 months (open)

16 months (closed)

45 months (closed) - dirty report - 20 lates (18 30d, 1 60d, 1 90d)

89 months (closed) - dirty report - 2 lates (30d)

124 months (closed)

Installment (mortgage)

124 months (closed) 

112 months (closed)

Change: Added an AU account that's been open 14 years, 11 months = 179 months

Also to note: Dirty file, two installment loans (auto) with lates (22, that includes 1 60 day, 1 90 day, and 20 30 days). This was before I understood credit and thought if I paid the last payment it reset the 30 days, I was continually one month behind for a long time. DOH

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Experian:

FICO 2 - 744 (+14)

FICO 3 - 759 (+8)

FICO 8 - 727 (no change, currently penalized by the fact that reporting 0 on all AUs, but this was useful for my mortgage scores)

FICO 9 - 739 (no change)

FICO Bankcard 2 - 760 (+12)

FICO Bankcard 8 - 737 (no change)

FICO Bankcard 9 - 745 (no change)

FICO Auto 2 - 684 (+10)

FICO Auto 8 - 707 (no change)

FICO Auto 9 - 728 (no change)

TransUnion:

FICO 4 - 747 (+18)

FICO 8 - 735 (+15) (currently penalized by the fact that reporting 0 on all AUs, but this was useful for my mortgage scores)

FICO 9 - 743 (+11)

FICO Bankcard 4 - 790 (+15)

FICO Bankcard 8 - 743 (+14)

FICO Bankcard 9 - 748 (+10)

FICO Auto 4 - 745 (+16)

FICO Auto 8 - 735 (+15)

FICO Auto 9 - 724 (+10)

Current utilization:

3% (1 revolver / AZEO)

0% AU cards (this seems helps my mortgage scores but hurts my FICO 8)

> 8% (1 open installment loan)

[Anonymous]

@Anonymous: Don't miss this thread. And look closely at the Oldest Revolving Account ages prior to being added as AU - all under 2yrs.

[Remedios]

@randomguy1  aren't you preparing for mortgage or is that a done deal now?

[randomguy1]

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@Remedios wrote:

@randomguy1  aren't you preparing for mortgage or is that a done deal now?

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Rate locked and undergoing underwriting. Few weeks to close.

[Remedios]

Awesome. I was starting to worry they would ask AU be removed. 

Congrats on all those score increases and great DPs! 

[Anonymous]

@randomguy1 Congratulations indeed, those are decent increases and yes you understand correctly that having that extra zero helps the mortgage scores but hurts version 8 & 9 if the AU is counting on version 8 and 9, and it appears that they are, because you had a score change on 8 & 9 upon reporting, assuming there were no other changes?

yeah I got to sit down and examine those ages closely. 

[randomguy1]

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@Anonymous wrote:

@randomguy1 Congratulations indeed, those are decent increases and yes you understand correctly that having that extra zero helps the mortgage scores but hurts version 8 & 9 if the AU is counting on version 8 and 9, and it appears that they are, because you had a score change on 8 & 9 upon reporting, assuming there were no other changes?

yeah I got to sit down and examine those ages closely. 

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Thank you both @Remedios  & @Anonymous !

Zero changes. Had a few different mortgage pulls and multiple sources of credit monitoring. Pulls were done before the 1st and a few after the 1st so no inquiry, utilization, or aging changes.

[Anonymous]

@randomguy1 Keep in mind mortgage pulls are buffered by 30 days, so you will not see the score change until 30 days after the pull .

[randomguy1]

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@Anonymous wrote:
@randomguy1Keep in mind mortgage pulls are buffered by 30 days, so you will not see the score change until 30 days after the pull .

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Yes sir. Pulls should be pooled for scoring purposes and effect should be minimal from my understanding, correct? 

I want to go on a mini-spree after my mortgage funds. Hopefully the mortgage doesn't show up on my credit report until after 11/1 when I'm 0/12 and received my AoYA boost.