Equifax score ????

[Jnbmom]

DH just got his denial letter for when we applid for a CLI on his CLOC and it stated his score from Eq was 668, now I haven't checked his in a while but earlier this year it was above 700. His Exp is 731 and TU 735.

For the life of me I can't figure out why it dropped? yes he has opened a few new accounts and of course gotten some inquires, but 40 +points? I just got his score and it is now 658, so 10 more points grrrr.

Length of credit history 12 year 2 months

AAoA  2 years 4 months

inquires 33 ( yeah I know)

Utlization 4%

Reason for scores: So yes in the garden and no new accounts, can't really do much about mortgage but that's the first I have seen that reason. Not sure if he should close some or not?

Did I mention I don't like EQ LOL

The number of credit inquiries (initiated by you seeking to obtain credit)
	The percent of accounts opened recently to all accounts in your credit file
	The number of open credit card accounts in your credit file
	The loan amount on mortgage accounts

[Anonymous]

Where does AoYA stand?

[Jnbmom]

His AAOA really hasn't changed much and all reports look virtually the same so I am not sure why EQ score went down by that much?

[Anonymous]

I was more curious about age of youngest account, not average age of accounts if you could provide that info.

[Jnbmom]

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@Anonymous wrote:

I was more curious about age of youngest account, not average age of accounts if you could provide that info.

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Sorry my bad misunderstood the question. He has several "new" accounts:

BB&T Just opened and reporting

HSBC 1 month

EBATES 2 months

PNC 3 months

**BBVA not reporting yet

[Stugotsv10]

sounds to me like its the new accounts.

I recently got a Motorcycle loan and she dropped 42 points

[Jnbmom]

Thanks, I figured it was his new accounts s well but didn't expect that type of drop as I have also added almost the same and thankfully didn't suffer that point loss.

[Anonymous]

What is the data source of your DH's Equifax score?

I posted a thread a month or so ago, also observing a dramatic drop. My source was Equifax's Three-in-One report, which turned out to be based on a proprietary EQ model, and not Fico 8.

Edit: maybe if my reading comprehension was stronger, I would have noticed your first sentence.