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Honestly don't know why, didn't dispute or try any other tricks. Yesterday it was there, today it is not.
Ah well, late Christmas gift . Tradeline was closed, 30D late from 8 months ago, no recent updates so thinking it won't come back. Yet another example of it's better to be lucky than good.
Lost the FICO 8 Classic reason codes so using the industry option ones as at least close, if you want reason codes from other scores LMK.
Factors from the FICO 8 industry options 12/26/18:
1) Missed payment
2) Recent missed payment
3) Short credit history
4) Short revolving credit history
Factors from the FICO 8 industry options 12/27/18:
1) Heavy revolving credit use (56% utilized tradeline unless the industry options care about my HELOC)
2) Short credit history
3) Short revolving credit history
4) Mortgage/non-mortgage installment loans too high
CFA, 3 inquiries (1 auto out of grace period, 2 CU from reindeer game attempted tests). AOYA = 1 month. Lost one month of AAOA, 4y 9m to 4y 8 months with the tradeline removal, advantage of a thick file.
Also interesting to note I didn't have complaints about revolving utilization on the not quite clean scorecard, and it shot straight to #1 on the pretty scorecard above the short history ones which made the list previously... revolving utilization calcs, specifically individual tradeline utilization, potentially scorecard dependent?
Date | 12/26/18 | 12/27/18 |
FICO 8 | 746 | 801 |
FICO 2 | 722 | 753 |
FICO 8 AU | 747 | 808 |
FICO 2 AU | 700 | 728 |
FICO 8 BC | 769 | 829 |
FICO 3 | 679 | 724 |
FICO 2 BC | 726 | 759 |
WoW... That is one he11 of an entrance into the New Year! Congratulations!
@Revelate wrote:Honestly don't know why, didn't dispute or try any other tricks. Yesterday it was there, today it is not. Tradeline was closed, 30D late from 8 months ago, no recent updates so thinking it won't come back.
Lost the FICO 8 Classic reason codes so using the industry option ones as at least close, if you want reason codes from other scores LMK.
Factors from the FICO 8 industry options 12/26/18:
1) Missed payment
2) Recent missed payment
3) Short credit history
4) Short revolving credit history
Factors from the FICO 8 industry options 12/27/18:
1) Heavy revolving credit use (56% utilized tradeline unless the industry options care about my HELOC)
2) Short credit history
3) Short revolving credit history
4) Mortgage/non-mortgage installment loans too high
Also interesting to note I didn't have complaints about revolving utilization on the not quite clean scorecard, and it shot straight to #1 on the pretty scorecard above the short history ones which made the list previously... revolving utilization calcs, specifically individual tradeline utilization, potentially scorecard dependent?
Thanks for the data.
Yes, revolving utilization has greater signal strength (weighting) on clean scorecards.
Congrats on the removal. Hopefully it doesn't pop back up. Who is the lender?
@Thomas_Thumb wrote:
@Revelate wrote:
Also interesting to note I didn't have complaints about revolving utilization on the not quite clean scorecard, and it shot straight to #1 on the pretty scorecard above the short history ones which made the list previously... revolving utilization calcs, specifically individual tradeline utilization, potentially scorecard dependent?
Thanks for the data.
Yes, revolving utilization has greater signal strength (weighting) on clean scorecards.
If by signal strength we knew it counted for more point-wise; what I didn't expect was a rejiggering of the utilization reason code in that there are possibly different breakpoints. That would explain discrepancies in findings over the years, just didn't have reason code data to back that up AFAIK.
I wonder if that's the same between bureaus, sadly I don't have the myFICO service anymore but I probably have enough free FICO 8 scores to see if something materially changes between this month and next month when that tradeline is paid down. Be interesting to see what moves and what doesn't, clean scorecard FICO 8 will from the looks of it, not so sure on cleanish on EQ or derogatory on TU.
@Anonymous wrote:Congrats on the removal. Hopefully it doesn't pop back up. Who is the lender?
It would be weird if it got reinserted on a closed OC tradeline but stranger things have happened. Still off as of this morning at least .
JCB; that said I have absolutely no idea what triggered it, still on both EQ/TU from when I checked yesterday on CK but honestly if it stays off EX that's all that really matters for me as nearly everyone wants that bureau in my case.
@Revelate wrote:
@Anonymous wrote:Congrats on the removal. Hopefully it doesn't pop back up. Who is the lender?
It would be weird if it got reinserted on a closed OC tradeline but stranger things have happened. Still off as of this morning at least .
JCB; that said I have absolutely no idea what triggered it, still on both EQ/TU from when I checked yesterday on CK but honestly if it stays off EX that's all that really matters for me as nearly everyone wants that bureau in my case.
When was it scheduled to come off?
They deleted the tradline off all three CRA a few months ago.
@Revelate wrote:
That late was supposed to be deleted roughly April of 2025.
Actually when lates are excluded on an OC tradeline, in my experience the tradeline isn’t deleted on any bureau, just the reference to the late.
So really that account would have stayed on till 2028 roughly to be pedantic. I don’t know why it went away but it’s still gone, still happy .
Maybe it has to do with the closing of US Operations.
I had a 30/60 day from Aug/Sep of 2012. I asked for an early deletion last June and they removed the whole tradeline. Lost 7 points. Ugh.