And what's the age of your accounts (AoOA and AoAA)? Sorry for all the Qs but, tbh, your TU seems a bit low to me for having only a single, aged derog. Granted, your chargeoff is apparently unpaid and reflecting a balance, but still.
@Anonymous wrote:No worries on the questions. I appreciate all the insight you are giving.
AAoA is showing 3y 3m. Oldest account is 8 years. So I do know that AAoA is on the young side.
Charge off is unpaid with a balance over the limit. Tried working with them on a solution, but its FP....
Hmmm so, when I still had a single derog left on my reports - a charge off that was 5.5 years old, paid - and also with First Premier - my scores varied from a low of 751 to a high of 782 across all 3 bureaus depending on util and # of inquiries.
My aaoa was only a bit over 2 years and my aooa was an au card around 8 years old, my primary aooa was the chargeoff account at 5.5 years. My file was on the thick side only due to multiple student loans. All profiles are different, yes, but this is why your TU score seems low to me.
Are you sure all of the late payments were removed from TU? That there wasn't, perhaps, a break in the string resulting in only some being removed with the rest to drop in March?
Here is what the TU report shows. The X stands for "unknown" on the TU report. The legend also shows N/R for not reported. EX report shows ND, for no data. Maybe that is the difference?
But there is still no huge jump on EX during this time.
@Anonymous wrote:Here is what the TU report shows. The X stands for "unknown" on the TU report. The legend also shows N/R for not reported. EX report shows ND, for no data. Maybe that is the difference?
But there is still no huge jump on EX during this time.
No... not reported and no data have the same meanings and scoring effect (which is none). I'm honestly at a loss - if all the data is identical on both reports then, the other than waiting to see what your TU score says in the March update to see if it catches up to EX, I'm out of guesses.
And seeing no spike on EX after the lates were removed is kinda odd too though, I think, if you log in from a computer using their website, you're able to expand the graph for more detail (I haven't used the actual website in a while so don't quote me on that).
I have no ideas as to why the other EX FICOs are so much lower either. What are the negative reason codes listed under the additional scores?
@Anonymous wrote:Here is what the TU report shows. The X stands for "unknown" on the TU report. The legend also shows N/R for not reported. EX report shows ND, for no data. Maybe that is the difference?
But there is still no huge jump on EX during this time.
@Anonymous I don't see anything negative about that account. I don't believe the payment grid means anything, for what it's worth, but there's nothing negative there either.
The algorithm looks at the text fields where it says current account and the lack of highest level of delinquency with a corresponding number of days means it's a good account, imo. Is that from ACR?
@thornback wrote:
@Anonymous wrote:Here is what the TU report shows. The X stands for "unknown" on the TU report. The legend also shows N/R for not reported. EX report shows ND, for no data. Maybe that is the difference?
But there is still no huge jump on EX during this time.
No... not reported and no data have the same meanings and scoring effect (which is none). I'm honestly at a loss - if all the data is identical on both reports then, the other than waiting to see what your TU score says in the March update to see if it catches up to EX, I'm out of guesses.
And seeing no spike on EX after the lates were removed is kinda odd too though, I think, if you log in from a computer using their website, you're able to expand the graph for more detail (I haven't used the actual website in a while so don't quote me on that).
I have no ideas as to why the other EX FICOs are so much lower either. What are the negative reason codes listed under the additional scores?
Def would be nice if TU did jump. Fingers crossed.
I am out on the road and don't have a computer with me to check that way. Can give it a shot later though.
Reasons given:
Negative Items- You have a serious delinquency or derogatory indicator, public record and/or collection on your credit report
Short account history- You have a short credit history
Loan Balances- The remaining balance on your mortgage or non-mortgage installment loans is relatively high.
High Credit Usage- You've made heavy use of your available revolving credit.
Recent Missed Payment- You recently missed a payment or had a derogatory indicator reported on your credit report.
Short Loan History- Your open installment loans do not show a long credit history.
Amount Past Due- You have past due amounts on your accounts.
Seeking Credit- You've recently been looking for credit.
Bad Payment History- You have one or more accounts showing missed payments or derogatory indicators.
@Anonymous wrote:
@Anonymous wrote:Here is what the TU report shows. The X stands for "unknown" on the TU report. The legend also shows N/R for not reported. EX report shows ND, for no data. Maybe that is the difference?
But there is still no huge jump on EX during this time.
@Anonymous I don't see anything negative about that account. I don't believe the payment grid means anything, for what it's worth, but there's nothing negative there either.
The algorithm looks at the text fields where it says current account and the lack of highest level of delinquency with a corresponding number of days means it's a good account, imo. Is that from ACR?
Yes, from ACR.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Here is what the TU report shows. The X stands for "unknown" on the TU report. The legend also shows N/R for not reported. EX report shows ND, for no data. Maybe that is the difference?
But there is still no huge jump on EX during this time.
@Anonymous I don't see anything negative about that account. I don't believe the payment grid means anything, for what it's worth, but there's nothing negative there either.
The algorithm looks at the text fields where it says current account and the lack of highest level of delinquency with a corresponding number of days means it's a good account, imo. Is that from ACR?
Yes, from ACR.
@Anonymous and you have no other derogatory accounts?