@Anonymous wrote:@AzCreditGuy I don't know if you missed the notification, but could you please give me the information on the other two bureaus if possible? Thank you very very much!
@dragontears I don't know whether you got my page either or whether it was during the time they were down? Thank you in advance for your time.
@Anonymous
Sorry I missed your page.
Personal loan was opened 11/20; mortgage was opened 6/20. Next youngest account is the HELOC opened 4/19.
Reason codes for EX2
@dragontears wrote:
@Anonymous wrote:@AzCreditGuy I don't know if you missed the notification, but could you please give me the information on the other two bureaus if possible? Thank you very very much!
@dragontears I don't know whether you got my page either or whether it was during the time they were down? Thank you in advance for your time.
@Anonymous
Sorry I missed your page.
Personal loan was opened 11/20; mortgage was opened 6/20. Next youngest account is the HELOC opened 4/19.
Reason codes for EX2
@dragontears thank you very much that is very informative. So if it's revolvers you're up to 22 months. I have a hard time believing it's that high although we'll see if it disappears April 1 which would be 24 months.
instead I tend to believe as you proposed that all accounts trigger new account segmentation in EX2. Now the question being to confirm the threshold of 17 months, which I will arrive at shortly with a Revolver. If it disappears then it confirms the threshold and confirms that it's all accounts, imo.
The next question is what triggers the many new accounts rather than just the new account reason code. If we were to assume the same window as for segmentation, that would mean 2 accounts put you there. I would like to see a member who only has 1 new account in the last 17 months and see their negative Reason codes for EX2.
I know we have members out there in that scenario, please contribute.
@Anonymous wrote:
@dragontears wrote:
@Anonymous wrote:@AzCreditGuy I don't know if you missed the notification, but could you please give me the information on the other two bureaus if possible? Thank you very very much!
@dragontears I don't know whether you got my page either or whether it was during the time they were down? Thank you in advance for your time.
@Anonymous
Sorry I missed your page.
Personal loan was opened 11/20; mortgage was opened 6/20. Next youngest account is the HELOC opened 4/19.
Reason codes for EX2
@dragontears thank you very much that is very informative. So if it's revolvers you're up to 22 months. I have a hard time believing it's that high although we'll see if it disappears April 1 which would be 24 months.
instead I tend to believe as you proposed that all accounts trigger new account segmentation in EX2. Now the question being to confirm the threshold of 17 months, which I will arrive at shortly with a Revolver. If it disappears then it confirms the threshold and confirms that it's all accounts, imo.
The next question is what triggers the many new accounts rather than just the new account reason code. If we were to assume the same window as for segmentation, that would mean 2 accounts put you there. I would like to see a member who only has 1 new account in the last 17 months and see their negative Reason codes for EX2.
I know we have members out there in that scenario, please contribute.
@Anonymous
Here are the reason codes for EX2 from last July right after the mortgage reported
@dragontears wrote:
@Anonymous wrote:
@dragontears wrote:
@Anonymous wrote:@AzCreditGuy I don't know if you missed the notification, but could you please give me the information on the other two bureaus if possible? Thank you very very much!
@dragontears I don't know whether you got my page either or whether it was during the time they were down? Thank you in advance for your time.
@Anonymous
Sorry I missed your page.
Personal loan was opened 11/20; mortgage was opened 6/20. Next youngest account is the HELOC opened 4/19.
Reason codes for EX2
@dragontears thank you very much that is very informative. So if it's revolvers you're up to 22 months. I have a hard time believing it's that high although we'll see if it disappears April 1 which would be 24 months.
instead I tend to believe as you proposed that all accounts trigger new account segmentation in EX2. Now the question being to confirm the threshold of 17 months, which I will arrive at shortly with a Revolver. If it disappears then it confirms the threshold and confirms that it's all accounts, imo.
The next question is what triggers the many new accounts rather than just the new account reason code. If we were to assume the same window as for segmentation, that would mean 2 accounts put you there. I would like to see a member who only has 1 new account in the last 17 months and see their negative Reason codes for EX2.
I know we have members out there in that scenario, please contribute.@Anonymous
Here are the reason codes for EX2 from last July right after the mortgage reported
@dragontears do you have one from before it reported?