FICO-8 Hat Trick Complete

[Anonymous]

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@Anonymous wrote:

TT, why do you think he's receiving the negative reason statement pointing toward inquiries when he has no inquiries at all on his CR?

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Thanks again everyone.

BBS, I'm 100% sure of no inquiries. My last inquiry was 06/16 when I took out my last car loan. So it's well past the 1 year scorable window and 2 year limitation mark, it doesn't even show up on any of my 3 reports. I have no idea how or why they came up with that reason? 

[Anonymous]

TT, Nice looking graph there. I wonder if anyone's reported a perfect 900 yet? Also nice looking are your three 850 bulls eyes!

The only other time my credit was ran since 06/16 was when I opened an Aliant SSL loan around 11/18. However, it shows up as a soft inquiry. So I'm not sure if they're counting that as too many inquiries, otherwise I haven't applied for any new credit or accounts at all. All of my CL increases were soft pulls as well. 

[Anonymous]

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@Anonymous

BBS, I'm 100% sure of no inquiries. My last inquiry was 06/16 when I took out my last car loan. So it's well past the 1 year scorable window and 2 year limitation mark, it doesn't even show up on any of my 3 reports. I have no idea how or why they came up with that reason? 

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That's got me puzzled as well. 

[Anonymous]

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@AnonymousTT, Nice looking graph there. I wonder if anyone's reported a perfect 900 yet? Also nice looking are your three 850 bulls eyes!

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I know TT has grabbed a 900 on 2 out of 3 bureaus for BCE scores.  Not sure if he or anyone has nailed the Hat Trick though across all 3B for FICO 8 BCE?

[Thomas_Thumb]

Never seen the elusive triple 900s.

I did receive a double back in late 2015 before taking on a new INQ with TU. Never had a 900 with an inquiry on file. Not sure if it is possible - at least not with multiple cards reporting balances. [mortgage B/L back in 12/2015 was 41%. 2 of 6 cards were reporting balances along with one INQ on EQ from 11/20/2015]

No inquiry on EX in over 10 years. Experian is less senstitive to # cards/accounts reporting balances. Able to hold 900 on EX over time while # cards with balances were in the 2 to 4 range. BCE Fico 8 score would drop if 5 or 6 cards reported balances.