Does # of cards w bal affect score?

[cr101]

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@AllZero wrote:

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@cr101 wrote:

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@AllZero wrote:
For reference From AZ --> AZEO --> 100% w/balances data

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I inadvertently tested this. My EXP score stayed the same. I went from 3/10 reporting a bal to 4/10 reporting a bal. The overall util only increased by $9. But, that pretty much answers my q about shifting overall bal between cards.

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@cr101   I'm guessing that was for EX8. Did you notice a change for EX2?

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Yes,  it's EX8. Same thing for EQ8. TU8 doesn't have the 4th bal yet. I get this from Experian's site. If you're talking about FICO 2 mtg, auto, cc, they didn't change.

Interesting DP for EQ8. I have a new inq (thanks to my bank's glitch). Fortunately, the new inq didn't drop my score. I have 8 inqs total on EQ: 1 in 10/2018, 1 in 7/2019, 5 in 10/2019, 1 in 4/2020

@Birdman7 *sticks head in the sand* this is too much for me. It's nice info to know, though.

[Anonymous]

@cr101Would do you mind sharing the data points necessary to guesstimate your scorecard? Clean or dirty? How many total accounts on your CR? Age of oldest account? Age of youngest non-loan account? Any loans open or closed on report?

[cr101]

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@Anonymous wrote:

@cr101Would do you mind sharing the data points necessary to guesstimate your scorecard? Clean or dirty? How many total accounts on your CR? Age of oldest account? Age of youngest non-loan account? Any loans open or closed on report?

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That's where it gets complicated. All bureaus have different info for my credit card, auto, and student loan accounts. Each of them have at least 2 of my 3 bad stuent loan accounts from 2017. Not all of them have my current SL. I'll just give you EX.

1st #=open; 2nd #=closed

cc
10/1

auto
1/4

student loans
0/3

collections
0

inq
6

10/2018---1
9/2019---2
10/2019---3

Accounts Summary (from EX)
Open accounts
11
Self-reported accounts
0
Accounts ever late
1 (auto that has been paid off)
Closed accounts
8
Collections
0

[Anonymous]

@cr101 how far delinquent did that auto loan on EX go? The reason I ask is if it’s not worse than one 30 day late, then you stay on a clean scorecard.

[cr101]

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@Anonymous wrote:
@cr101how far delinquent did that auto loan on EX go? The reason I ask is if it’s not worse than one 30 day late, then you stay on a clean scorecard.

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no, i still get the "SERIOUS DELINQUENCY" message in denials lol, but that's mainly from the student loans i'm sure. this auto loan had a 30-day and a 60-day.

[Anonymous]

Yeah you’re in a dirty card, but it’s not a public record card, no BK.

At least you can open accounts without a new account penalty.