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Understood. I don't think Boost had anything to do with the Revolving notes that were listed. Those balances were minimal. It's very possible that some of your cc's may not be reporting limits to XP and that may have triggered that. I just don't see any data accounts, points, balances,e tc ever being factored into the Mortgage version for Experian... I could be wrong and am genuinely interested in find out what it was all about.
Credit cards at time were all at Zero balance (showed on mortgage report that was part of disclosure from lender) I had two old (20+yr) low balance mortgages as well, and notes where just on Experion score that had the self reported accounts, and not the Tranunion or Equifax was the main reason I thought they were from the self reported accounts.
@Anonymous wrote:Credit cards at time were all at Zero balance (showed on mortgage report that was part of disclosure from lender) I had two old (20+yr) low balance mortgages as well, and notes where just on Experion score that had the self reported accounts, and not the Tranunion or Equifax was the main reason I thought they were from the self reported accounts.
Is this possibly a factor? While FICO 5/4/2 scores are indeed very sensitive to recent activity (but in the form of Hard Pulls as well as new accounts) these scores are also sensitive to 'accounts with balances'.
In FICO8 we know about the "All Zero" penalty and, for some of us, we implement AZEO (all zero except one) - or something similar.
Where I am unclear (mostly) is do the FICO 5/4/2 scores respond to a "All Zero" situation like a FICO8 score does? And, do FICO 5/4/2 scores respond to AZEO like FICO8 does?