Anyone dirty on one bureau but clean on another?

Anonymous · ‎04-11-2017

I'm interested to hear from people that have both clean and dirty files depending on the bureau being considered. I find this type of data extremely useful since generally speaking you are talking identical credit reports with the only difference being one baddie account (thus making it dirty). Here are my scores and baddie info to go along with them. Clearly quite the difference in scores in going from dirty to clean. These are all FICO 08's, BTW:

EX: 751. 90 day late from 2.4 years ago.

TU: 764: 120 day late from 4.2 years ago, 30 day late from 3.9 years ago (same account)

EQ: 841: Clean

Anonymous · ‎04-11-2017

EX: 848 and clean.

TU: 757 One paid in full state tax lean 6 years old

EQ: 750 Same paid tax lean. 6 years old. Even at 6 years EQ states "recent public record". There are no other public records of any kind.

Anonymous · ‎04-11-2017

@Anonymous wrote:
EX: 848 and clean.
TU: 757 One paid in full state tax lean 6 years old
EQ: 750 Same paid tax lean. 6 years old. Even at 6 years EQ states "recent public record". There are no other public records of any kind.

Wow, cumulatively the sum of your 3 scores and the sum of my scores are within 1 point of each other! Out of curiosity, what is your AAoA, AoOA and AoYA and how many scoreable inquiries do you have present? Also, how many total accounts do you have on your credit report currently (open and closed)?

Thomas_Thumb · ‎04-11-2017

Cool - A couple more examples showing a 90 to 100 point offset dirty/clean.

As I recall, CAPTOOL, Revelate and Jamie 123 posted similar results last year - all had 1 clean and 2 dirty CRAs.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950

Anonymous · ‎04-11-2017

@Thomas_Thumb wrote:
Cool - A couple more examples showing a 90 to 100 point offset dirty/clean.
As I recall, CAPTOOL, Revelate and Jamie 123 posted similar results last year - all had 1 clean and 2 dirty CRAs.

The point variance between dirty and clean is substantial. Especially for baddies that are so old. It shows that there is little diluting of majors with time, that's for sure.

One thing I do find curious is that just before the 90 day late came off of my EQ report making it clean, the score was 787. This is the same baddie that on my EX report is currently holding that score at 751. I'm not sure why there is a 36 point difference here. Any ideas? The only difference between my EX and EQ reports outside of this baddie is that my Blispay account only reports to EX, so EX has 1 more "new account" at 9 months old as well as 1 more scoreable inquiry. I wouldn't think 1 new account and 1 inquiry both 9 months old would constitute a 36 point difference.

Anonymous · ‎04-12-2017

@Anonymous wrote:
@Anonymous wrote:
EX: 848 and clean.
TU: 757 One paid in full state tax lean 6 years old
EQ: 750 Same paid tax lean. 6 years old. Even at 6 years EQ states "recent public record". There are no other public records of any kind.

Wow, cumulatively the sum of your 3 scores and the sum of my scores are within 1 point of each other! Out of curiosity, what is your AAoA, AoOA and AoYA and how many scoreable inquiries do you have present? Also, how many total accounts do you have on your credit report currently (open and closed)?

AAoA is 11.6 years. 2 inquiries, Sept. of 16 and Feb of 17, both mortgage.

Open accounts: Revolving - 13, Mortgage - 2, Installment - 1

Closed accounts: Revolving - 6, Mortgage - 3, Installment - 5

The Feb 17 inquirery was not authorized. Closed the mortgage on 2-1-17. On 2-10-17 they did a hard pull and sent me a copy of my credit report. Mortgage company denied the pull but it matches the date on the report they sent me.

Anonymous · ‎04-12-2017

So with 30 total accounts on your credit reports and an AAoA of 11 years, you definitely have a thick/aged file no doubt... a bit more than mine at 7 years AAoA and 21 accounts.

Anonymous · ‎04-12-2017

@Anonymous wrote:
So with 30 total accounts on your credit reports and an AAoA of 11 years, you definitely have a thick/aged file no doubt... a bit more than mine at 7 years AAoA and 21 accounts.

Also looked up oldest account at 34 years. just one in that range. an old JC Penny card. Newest account is a 3 month old mortgage on a second house.

I agree the penalty for one baddie, especially an old baddie seems pretty severe.

Anonymous · ‎04-12-2017

Just noticed my incorrect spelling of tax lien in the first post lol. I've been working too many hours and sleeping too few this week....

Anonymous · ‎04-12-2017

So you're inside of a year until you're clean across the board then, right? That's pretty awesome!