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FICO 9: 2 of 4 w/bal from 3 of 4 = TU +16, EQ +9

CassieCard
Senior Contributor

FICO 9: 2 of 4 w/bal from 3 of 4 = TU +16, EQ +9

I have a total of 5 accounts on my file: 4 open revolving and 1 closed Share Secured Loan (SSL).

 

So this change in number of accounts reporting a balance could be one of:

  1. 3 of 4 (75%) to 2 of 4, (50%) (counting only open accts)
  2. 3 of 5 (60%) to 2 of 5, (40%) (counting open + closed acct)

I think it's #1, but I thought Birdman7 and Trudy might have found some evidence for #2.

 

"Too Many Accounts with Balances" moved down 1 spot in the list of reasons on all FICO 9 scores.

 

 

 8 

AU8

BC8

MTG

AUT

BKC

 9 

AU9

BC9

 3 

EQ

0

0

+3

 +3

+3

+2

+9

+14

+9

 

TU

 0

 0

 0

 0

 0

 +16

+16

+16

 

EX

 0

+2

-2

-2

-2

+1

+1

+1

+4

AoOA

AAoA

AoYA

 2yr 10mo

 1yr 7mo

8mo

AoORA

AAoRA

AoYRA

1yr 10mo

1yr 3mo

8mo

 AGGREGATE % 

 AGGREGATE $ 

 TOTAL LIMIT 

4% (4.48) [+1%]

 $1423 [+$314]

 $32,000

 

(Ignore the EX 2's -2 point drop:  2 of them are showing 'Not Using Revolving Accounts' with $1,423 in balances reporting. (Report Link)

They also show "Too many accounts with balances". lol Gonna find out later who to talk to about this obvious bug.

$1,234 of that is on a Citi Costco Anywhere Visa Signature card, and there is no way that card isn't counting on EX2 this month when it has for 21 months prior to this.)

28 FICO Scores + FICO RESilience Index + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of Resilience: EQ FICO Resilience Index Score Leaderboard (59 People!)

1 REPLY 1
Birdman7
Super Contributor

Re: FICO 9: 2 of 4 w/bal from 3 of 4 = TU +16, EQ +9

That’s insane about the Costco
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
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