AU Scoring Data Points - Dirty file

[Anonymous]

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@randomguy1 wrote:

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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. 

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Edited: 

@randomguy1 very good question. All mortgage pulls within 45 days are counted as one except on EX2, where the window is 14 days. (De-duplication.) As stated, any installment pulls from the last 30 days are ignored. (Buffering.)

As for effect being minimal, well that depends on scorecard and how many inquiries you already have etc. etc. that's kind of profile dependent, but typically anywhere from 3 to 10 points, but sometimes you get lucky and it's binned and it doesn't cost you anything!

Also a mortgage is not going to reset your AoYRA (a segmentation factor), so you don't have to worry about scorecard reassignment when it reports, although it could affect your score by affecting aging metrics (ones that are scoring factors, e.g. AAoA) and also by affecting aggregate installment utilization. (I don't know whether you have any other loans.)

[randomguy1]

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@Anonymous wrote:

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@randomguy1 wrote:

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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. 

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Edited: 

@randomguy1 very good question. All mortgage pulls within 45 days are counted as one except on EX2, where the window is 14 days. (De-duplication.) As stated, any installment pulls from the last 30 days are ignored. (Buffering.)

As for effect being minimal, well that depends on scorecard and how many inquiries you already have etc. etc. that's kind of profile dependent, but typically anywhere from 3 to 10 points, but sometimes you get lucky and it's binned and it doesn't cost you anything!

Also a mortgage is not going to reset your AoYRA (a segmentation factor), so you don't have to worry about scorecard reassignment when it reports, although it could affect your score by affecting aging metrics (ones that are scoring factors, e.g. AAoA) and also by affecting aggregate installment utilization. (I don't know whether you have any other loans.)

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Thank you. That's good information. I think with my AoYRA + AU card reporting, I should have enough of a buffer. The AU card reporting hurts me in the tune of 14 pts on FICO 8. 

[Anonymous]

@randomguy1 But the good news is, that means you know the authorized user card is counting and you know for your mortgage scores, you do AZEO. You know for your best fico 8, you do AZEO + 1 AU revolver with a balance.

You sound like you’ve done your studies and you’ve got it together, bravo!

And when the mortgage hits, since it’s not scorecard reassignment, the point loss probably will not be very much, unless your aggregate installment utilization was 9% or less now.

But we also don’t know how lenders internal scoring systems work and they may count mortgages as new accounts, so it can’t hurt to try to get the cards before it reports. But either way I’m sure you’ll be fine.

[Anonymous]

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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. 

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 

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@randomguy1 well you're in a dirty file so there was no scorecard reassignment, so that means all those points came from average age of accounts and average age of revolving accounts I believe.

Impressive! I didn't have time to really look at it earlier, I'm looking at it more closely now.

when you list 8 and 9 you don't specify which bureau so I can't correlate, can you please tell us which bureau on the 8 and 9 score changes?

[randomguy1]

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@Anonymous wrote:

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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. 

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 

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@randomguy1 well you're in a dirty file so there was no scorecard reassignment, so that means all those points came from average age of accounts and average age of revolving accounts I believe.

Impressive! I didn't have time to really look at it earlier, I'm looking at it more closely now.

when you list 8 and 9 you don't specify which bureau so I can't correlate, can you please tell us which bureau on the 8 and 9 score changes?

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first post was all EQ. 

second post I separated EX/TU

[Anonymous]

@randomguy1Wait a minute, how old are those lates? because there’s evidence of scorecard reassignment at 2 years on some of the mortgage scores, so you could be in a clean card there, in which case it could’ve resulted in scorecard reassignment on that/those version(s).

Awesome data points!

[Anonymous]

If in fact we were to assume the mortgage scores put one back in a clean card at 2 years and your most recent lates were over 2 years old, then you would’ve experienced scorecard reassignment for EQ5, but not for TU4 or EX2 because you already had a revolver old enough to put you in an aged scorecard at EX and TU.

So even so, the gains at TU and EX must be a consequence of AAoA and AAoRA.

[randomguy1]

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@Anonymous wrote:
If in fact we were to assume the mortgage scores put one back in a clean card at 2 years and your most recent lates were over 2 years old, then you would’ve experienced scorecard reassignment for EQ5, but not for TU4 or EX2 because you already had a revolver old enough to put you in an aged scorecard at EX and TU.

So even so, the gains at TU and EX must be a consequence of AAoA and AAoRA.

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@Anonymous 
My lates were on only auto loans. Oldest is 12/15. Latest is 12/2018. 

[Anonymous]

@randomguy1 Wrote: My lates were on only auto loans. Oldest is 12/15. Latest is 12/2018. 

@randomguy1 OK then it's not possible you had switched to a clean card on any of the mortgage scores, so that means all point gains were due to AAoA and AAoRA, IMHO.

Wow very cool, it just goes to show how influential the AAoRA metric is. Great job!  And that's so cool that you contributed this, because a clean card would not have been able to do so. The scorecard reassignment would've interfered. Thanks again for the data points and congratulations on the gaIns!

[Anonymous]

Thanks for the data points. I'm trying to see something similar with my file. I'm also on a dirty scorecard (90 day lates / youngest is 6 years old) and wondered why my EX mortgage is 802, I always thought it was a fluke, still maybe, but perhaps I've been rebucketed.