Well that is an interesting bit @SouthJamica and thank you for posting that.
One somewhat obvious similarity is that it is all credit unions and one CL > 35k in your case which absolutely matched mine with a CU card and another > 35k limit bankcard.
Either it is just broken which seems unlikely as the algorithm is the algorithm or that may well be the pattern TBH and not only are outsized tradelines discounted but credit union cards perhaps too.
Need another datapoint or two, come on forum people!
One somewhat obvious similarity is that it is all credit unions and one CL > 35k in your case which absolutely matched mine with a CU card and another > 35k limit bankcard.
Either it is just broken which seems unlikely as the algorithm is the algorithm or that may well be the pattern TBH and not only are outsized tradelines discounted but credit union cards perhaps too.
Need another datapoint or two, come on forum people!
Not sure TT, I didn’t have access to FICO 98 reliably when I had a Wally card and don’t have any store cards to try testing that but it is something that should be checked if we can.
We’ve always recommended using a national bank card for AZEO when it mattered but I don’t recall seeing any good data previously suggesting what may or may not count other than FICO 8 didn’t care and I don’t think FICO 04 did either from what I could test back when Scorewatch was here.
We do get FICO 3 from Experian too, I will double check that one but I strongly suspect there are some exclusions to FICO at this point which I hadn’t thought were a thing personally... like I can’t fathom a reason why CU credit cards might be discounted under any model but their inquiries are differentiated maybe their credit lines are too from this calculation.
Just seems weird, but now that I think of it FICO NG differentiated tradelines including retail cards specifically, and FICO 98 pre-dates it so perhaps not so weird after all from a product development perspective.
We’ve always recommended using a national bank card for AZEO when it mattered but I don’t recall seeing any good data previously suggesting what may or may not count other than FICO 8 didn’t care and I don’t think FICO 04 did either from what I could test back when Scorewatch was here.
We do get FICO 3 from Experian too, I will double check that one but I strongly suspect there are some exclusions to FICO at this point which I hadn’t thought were a thing personally... like I can’t fathom a reason why CU credit cards might be discounted under any model but their inquiries are differentiated maybe their credit lines are too from this calculation.
Just seems weird, but now that I think of it FICO NG differentiated tradelines including retail cards specifically, and FICO 98 pre-dates it so perhaps not so weird after all from a product development perspective.
@Revelate wrote:
Well that is an interesting bit @SouthJamica and thank you for posting that.
One somewhat obvious similarity is that it is all credit unions and one CL > 35k in your case which absolutely matched mine with a CU card and another > 35k limit bankcard.
Either it is just broken which seems unlikely as the algorithm is the algorithm or that may well be the pattern TBH and not only are outsized tradelines discounted but credit union cards perhaps too.
Need another datapoint or two, come on forum people!
I'm going with "broken".
I don't think Elan is a CU .