Anomalies

[PepsterinBklyn]

I took a chance & I took out a Navy Fed pledge loan. First my starting point on the FICO 8's were Experian 832 TU 835 & Equifax 838. The Pledge was for $3050\5 years with a 90% payoff that very same week. I did it because I wanted to get SOMETHING active on the installment section of my report which had been dormant for 5 years since I paid my mortgage off. I'm not buying a car, house or anything else. No other loans are  needed right now & I thought that this would be a good way to get something on my report for practically nothing. Now, no loan payment is due until January 2029.

As for the anomalies, the loan MAXED OUT my FICO 8, 9 & 10 scores across the board, perfect 850's . I even got an 900 & 898 Bank Card thrown into the mix. What puzzled me was my FICO 10T's are down by an average of about 25 points & my FICO 2-4-5 Trilogy is also down. Even though it's not FICO score, I bet my Vantage 4 score is going to take a hit. Interestingly enough, my 3 Vantage 3 scores didn't change at all.

Any insights from anyone????

[coldfusion]

Guessing that the model didn't care for the age of your newest account resetting down to being 1 month.

[Patient957]

This is interesting. 

Before you opened the pledge loan, did you have any account younger than 12 months?

Fico 8/9 don't seem to care much about an installment account <12 months, but a revolver <12 mos seems to incur a significant penalty (~20 ponits?). (  @SouthJamaica  is currently testing this.)

It may be that 2/4/5/10T penalize any account <12 months old, not just revolvers.

Interested to see what  @Thomas_Thumb and the other gurus here think.

[PepsterinBklyn]

My youngest card is at about 17 months old now.

[PepsterinBklyn]

That's a possibility.