Thanks @Anonymous , I appreciate all your help!!
| AU 
Transunion updated today. These are screenshots from today. What I don't understand is what was the 22+ score increase for on June 30? It appears I lost -11 when I went AZ and gained that back today. But why +22 on 6/30? That's a big boost for aging
@nyuphoto wrote:Transunion updated today. These are screenshots from today. What I don't understand is what was the 22+ score increase for on June 30? It appears I lost -11 when I went AZ and gained that back today. But why +22 on 6/30? That's a big boost for aging
@nyuphoto Two things off rip. Number one, open up those two adjacent TransUnion score changes and let me see the negative reason codes, please.
Numero dos, what are all your aging metrics? And don't give me the fluff from the frontend, do the math please. (:-) with puppydog eyes). 😉
@Anonymous
I will sit down and put all dates together from the 9 accounts reporting. Of note, Another interesting bump appeared today on Equifax. See below, I lost -7 Equifax points when I went AZ, today I gained back the +7 and an additional +22. There's that +22 bump again, same as TU.
Ok here are all of my acounts reporting to CRA's and the dates opened from oldest to younges:
1. Coastline FCU auto loan CLOSED (EQ): opened 8/2005, last activity 6/2010, last updated 6/2011
2. NFCU secured card CLOSED (EQ, TU, EX): opened 3/2015, last activity 5/2016, last updated 1/18, 1/18, 9/16
3. AU Chase Disney (EQ, TU, EX): Opened 12/2016
4.Cap One Auto Finance CLOSED (EQ, TU, EX): opened 11/2017, last activity 9/2018
5. BMW Financial services Auto Loan (EQ, TU, EX): opened 9/2019
6. Regions Bank Mortgage (all 3): openend 1/2020
7. NFCU MR Amex (all3): opened 4/2020
8. Chase Amazon Prime (all 3): opened 4/2020
9. Apple Card GS (TU): opened 4/2020
10. Chase Freedom (all 3): opened 6/4/2020, just reported
11. Amex Gold: opened 6/4/2020, not yet reporting
Congrats on all the improvements you have been making. You've got a good lineup of cards and loans with good limits.
The AZEO method will eke out some extra points when it is time for your mortgage, although the number of actual points is variable per person. One thing you may want to consider while gardening, see how many points you actually get for AZEO, vs letting your cards report organically each month. AZEO takes some effort to accomplish. I don't think it helps score all that much, but others do. With your monthly MyFICO updates you will be able to see for yourself.
@NRB525 wrote:Congrats on all the improvements you have been making. You've got a good lineup of cards and loans with good limits.
The AZEO method will eke out some extra points when it is time for your mortgage, although the number of actual points is variable per person. One thing you may want to consider while gardening, see how many points you actually get for AZEO, vs letting your cards report organically each month. AZEO takes some effort to accomplish. I don't think it helps score all that much, but others do. With your monthly MyFICO updates you will be able to see for yourself.
Thank you so much. These scores are with AZEO. Reason for the post was because I was moving the One posted balance from NFCU to the new Chase card but didn't think about the NFCU statement cutting before the Chase card. Which led to AZ. None the less thanks for the heads up, I appreciate all comments and suggestions from the forum and its members.
@Anonymous
I've got an update to share. My scores all maximized and I ended up getting a new auto loan. I traded in a car that had an outstanding loan of 30k (40k starting) and financed the new vehicle for 41.5k. The 41.5k loan hit my credit reports 5 days before the 30k loan reported paid off. When the added auto loan reported on I had a small score decrease across the board 7pts +/- . But when the 30k loan reported paid off I took a large score drop across all 3 scores (14-20 pts). I understand I would lose points if I paid my only installment loan but I still have a mortgage and I replaced an auto with another auto installment. Will my scores recover any time soon?