Just pulled DH's scores, and he lost 20 points on TU for having 2 of 3 credit cards report balances, while EQ and EX didn't blink. In fact, EX went up.
I thought that I had saved last month's scores, but I can't find them, so I guess not. I think that they were something like 803 - 804 - 805. (They were higher before my AmEx Gold, on which he is an AU, reported.)
But with a whopping $406 reporting out of around $28K revolving CL, he got this gem from TU:
I thought that was pretty breathtaking there! You'd have thought that he would have gotten the "too many accounts with balances" ding instead.
EQ - 802 - TU - 784 - EX - 807
And btw, $61 of that $406 balance is the AmEx Gold, which isn't supposed to be counted, but there it is on Credit-At-A-Glance on all three reports. Guess I need to call AmEx tomorrow!
OK, fused, mas, Peas, ByrdMan, Barry, Raine, cheddar, sidewinder, Timothy, psychic, and all my other haranguers, this one's for you!
I thought that I had saved last month's scores, but I can't find them, so I guess not. I think that they were something like 803 - 804 - 805. (They were higher before my AmEx Gold, on which he is an AU, reported.)
But with a whopping $406 reporting out of around $28K revolving CL, he got this gem from TU:
You've made heavy use of your available revolving credit.
Ratio of your revolving balances to your credit limits:
1%
For FICO High Achievers [?], this ratio is 7%, on average.
Your FICO score evaluates your total revolving credit [?] balances in relation to your total credit limits on those accounts. In your case, this ratio of balances to credit limits is too high.
I thought that was pretty breathtaking there! You'd have thought that he would have gotten the "too many accounts with balances" ding instead.
EQ - 802 - TU - 784 - EX - 807
And btw, $61 of that $406 balance is the AmEx Gold, which isn't supposed to be counted, but there it is on Credit-At-A-Glance on all three reports. Guess I need to call AmEx tomorrow!
OK, fused, mas, Peas, ByrdMan, Barry, Raine, cheddar, sidewinder, Timothy, psychic, and all my other haranguers, this one's for you!
Nice one!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
haulingthescoreup wrote:
OK, fused, mas, Peas, ByrdMan, Barry, Raine, cheddar, sidewinder, Timothy, psychic, and all my other haranguers, this one's for you!
Beauti-mous! Bravo bravo!
Also... for giggles.. I get a 'positive' for hitting 6 avg, but not 19 oldest and an obvious and well-deserved ding for being under on both avg and oldest.
on TU:
You have an established credit history.
| Your oldest account was opened 17 Years, 11 Months ago |
|---|
 FICO High Achievers [?] opened their oldest account 19 years ago, on average. |
| Average age of your accounts 6 years |
| Most FICO High Achievers [?] have an average age of accounts between 6 and 12 years |
And on EQ:
You have a short credit history. 
@emanuelr1b wrote:
You probably should have financed one of those houses and your score probably would have been higher.
?
Which post are you replying to? It's always a good idea to click the "Quote Post" button when you're replying to a specific topic, especially on a long thread like this one.
Sensation wrote:
Concerning the 'account age' (oldest accounts).... 19 years ago, I was 7.
Yes, it's kind of nice for those of in our fifties to know that some things are reserved for those who have existed on the planet longer than others. At any rate, something other than HTN meds, denture adhesive, and Grecian Formula. 
Cheer up, I have a 23-year old who has hit 760 several times. Young and clean will take you a long way, too.