@Anonymous wrote:
@Revelate wrote:Where this diverges is FICO 8 BC:
- 1. You have a serious delinquency (60 days past due or greater) or derogatory indicator on your credit report.
- 2. You recently missed a payment or had a derogatory indicator reported on your credit report.
- 3. You have a short credit history.
- 4. You have not established a long revolving and/or open-ended account credit history.
There's our newly found AOYA friend.
Interesting. I've had that reason on all 28 FICO scores up until last month (AoYA 5mos) when it dropped off EQ 8, leaving 27 scores with that reason.
Now at AoYA 6mos it's starting to drop off some more scores, like with EX 2. I'll have all 28 scores with reason text posted on June 10, when my next 3B report is available.
Yeah I would expect you would have them as you're clean everywhere, just new.
In your case much like my Experian adventure in reason codes lately dropping off doesn't mean gone completely, could just be #5.
I've seen it before when I was clean on EQ for a period of time as well, and this was less than 2 years ago which probably means I wasn't on a new file scorecard which your data and another's seem to indicate exists: his switched at the 3 year mark though a singleton data point as we've all seen is a little skeptical.
I will probably see it again actually with EQ whenever my 30D late goes to not recent, and my inquiry count gets back to zero... there's just more things that can be "wrong" with a top 8 scorecard and it doesn't help I have a CFA on EX/EQ which adds yet another negative reason code to the mix for me.
Need a pretty narrow file sometimes to really diagnose some things like my TU: for all that I have a 60D late on there, everything else is excruciatingly optimized on that one and the TU FICO 4 score absolutely rewards that... 767 is absurd compared to all data I have seen in the past for derogatories and that TU mortgage score; the interesting thing for me is that on EQ the 30D late might be enough to keep me out of the 800 range so I still might get real reason codes which would make me happy, I hate CMS's that exclude reason codes cause "too pretty". Another example of our not being able to have nice things.
