@calyx wrote:
@moosemoney wrote:
@calyx wrote:Completely unhelpful comment, but thanks for sharing that spreadsheet/chart. I always love seeing how other members track their information and like to see if maybe it's something I want to incorporate.
I've become somewhat obsessed with my credit and have many spreadsheets to track changes and how they affect my score, along with things upcoming and things I want to do at certain timeframes. This is my "master sheet" that just lists everything in my report and I refer back to it all the time.
I, too, have a ridiculous number of spreadsheets tracking things and changes and what I'd like to do upcoming.
Spreadsheet nerds, unite!
Spreadsheet Nerds!!! Looks like I have found my people lol. I knew there was a reason I liked you guys 😆
@moosemoney wrote:I have a student loan on my report that will be aging off in January that is reporting to both TU and EQ but not EX. It was paid in full with perfect payment history, so it's a pretty important item. I think the reason my EX score is my lowest is because the loan is not reporting to them (but that's just a theory).
Below is a quick spreadsheet of everything in my report (as of today my AAoA is 6.94 years):
(the red "negative" items on my mortgage are late payments up to 12/2016 - perfect payments since then)
I'm pretty sure I'm gonna take a hit when this ages off, in both my AAoA and I assume in my Credit Mix as well. What is something I can do to lessen the blow? Now that I am at a good place credit-wise, I'm willing to play the "credit game."
In my opinion there's nothing you can do to lessen the blow of an account aging off.
There is something you can refrain from doing, which is applying for new credit of any kind.
The problem is the DOFD is not always reported: though I have actually used that as a dispute for Transunion and was successful.
When it isn’t reported, a dispute if it updates the tradeline can make it look “new” to the algorithm: that was the horror stories I remember seeing especially on older algorithms; that said the data is better now than it used to be.
I don’t think an EE is a dispute though, I could be wrong on that but I can’t recall failures in the process.
Anyway if one doesn’t need a credit check anytime soon I would just let it fall off naturally, but on the flip side there is no penalty if you don’t need to leverage your credit as any update would still fall off at the same 7.5 years or whatever in this case... so there is little impact to taking the shot.
When it isn’t reported, a dispute if it updates the tradeline can make it look “new” to the algorithm: that was the horror stories I remember seeing especially on older algorithms; that said the data is better now than it used to be.
I don’t think an EE is a dispute though, I could be wrong on that but I can’t recall failures in the process.
Anyway if one doesn’t need a credit check anytime soon I would just let it fall off naturally, but on the flip side there is no penalty if you don’t need to leverage your credit as any update would still fall off at the same 7.5 years or whatever in this case... so there is little impact to taking the shot.