It's been an eye-opening experience for sure (and not a good one). I'll keep a tab on things with CCT over the next few months and see if the needle moves in the right direction. Normally I wouldn't really care since I'll be gardening for a while anyway but I really want that CLI on my Discover and my scores just getting thrashed.
This just keeps getting more and more interesting. So I pulled my EX08 from Discover Scorecard, and it stayed at 760 for a change of exactly 0.
So to sum up, with the opening of the Alliant SSL:
EQ: -22 points
TU: -10 points
EX: no change
Very interesting stuff. Seems like I got heavily penalized on EQ for too many new accounts (with one of the reason codes being "seeking credit"), possibly in relation to it being hit with 3 INQs (one was from Comcast though so not credit related).
Slight penalty on TU possibly due to too many new accounts, but not as bad as EQ. And no penalty at all on EX (but no gain either), probably the boost in credit mix exactly cancels out the penalty for too many new accounts.
Fascinating how each bureau weighs the different factors, although it's possible I'm on different scorecards for each...
Will pull CCT again in a month (and hopefully each month after that for the next 6 months) and keep track of where the scores stand.
Keeping an eye on this - my SSL opened right before they discontinued the product, and has yet to report, let alone report at a low balance. I have only 1 inquiry but a number of new accounts, so I don't know that I have earned a further ding that way. But my AAoA is low (well under a year). Happily, I am not seeking credit for real for at least the next several months, by which time hopefully any demerits iron themselves out.
@BurgeoningHope wrote:Keeping an eye on this - my SSL opened right before they discontinued the product, and has yet to report, let alone report at a low balance. I have only 1 inquiry but a number of new accounts, so I don't know that I have earned a further ding that way. But my AAoA is low (well under a year). Happily, I am not seeking credit for real for at least the next several months, by which time hopefully any demerits iron themselves out.
If yours opended before Dec 31st (and sounds like it did), then it should have reported on the 31st. I'd say just give it some time, mine reported on the 31st but didn't show up until the 10th (EQ, TU) and the 13th (EX).
Yes, only took 3 months.
EQ: 742 --> 755
TU: 760 --> 770
EX: 760 --> 772
Scores in sig are at 6 months and without AZEO. With AZEO TU is a whooping 1 point higher lol