Fico 8 Ex score 56+ points lower than F8 EQ & TU..

[Anonymous]

I don’t think I would worry about the payment grid showing payment history. In my opinion, I believe the algorithm uses the opening date and then it looks to see whether it’s paid as agreed or has a derogatory entry in text. I honestly don’t think the graphical grid serves much of a purpose as far as Scoring goes. Jmho.

As a matter of fact to buttress this, A recent thread has derogatories in the payment grid, but not in the payment status field. No negative Reason Codes exist despite the lates in the payment grid, nor does it look like the score is suffering from a serious derogatory. Consequently my conclusion.

[lowspender]

---

@Anonymous wrote:
I don’t think I would worry about the payment grid showing payment history. In my opinion, I believe the algorithm uses the opening date and then it looks to see whether it’s paid as agreed or has a derogatory entry in text. I honestly don’t think the graphical grid serves much of a purpose as far as Scoring goes. Jmho.

As a matter of fact to buttress this, A recent thread has derogatories in the payment grid, but not in the payment status field. No negative Reason Codes exist despite the lates in the payment grid, nor does it look like the score is suffering from a serious derogatory. Consequently my conclusion.

---

Ok, if the graph is of no importance, that would probably be the most important point to know, thanks. There's a difference in listed opening dates, which would bring up my average account date.. the "affected" accounts have the highest scores though, so that probably doesn't help.

Still would like to know the source of the low Ex score, as I plan on a hp in a few days for a cli with chase, then an app with Amex.

Separately.. I have to consult the boards wisdom on this- is there a negative affect on your score to someone with a high aaoa applying for a new cc every 1.5 yrs, to take advantage of 0% apr? Other than an annual hp..

[Anonymous]

---

@lowspender wrote:

---

@Anonymous wrote:
I don’t think I would worry about the payment grid showing payment history. In my opinion, I believe the algorithm uses the opening date and then it looks to see whether it’s paid as agreed or has a derogatory entry in text. I honestly don’t think the graphical grid serves much of a purpose as far as Scoring goes. Jmho.

As a matter of fact to buttress this, A recent thread has derogatories in the payment grid, but not in the payment status field. No negative Reason Codes exist despite the lates in the payment grid, nor does it look like the score is suffering from a serious derogatory. Consequently my conclusion.

---

Ok, if the graph is of no importance, that would probably be the most important point to know, thanks. There's a difference in listed opening dates, which would bring up my average account date.. the "affected" accounts have the highest scores though, so that probably doesn't help.

Still would like to know the source of the low Ex score, as I plan on a hp in a few days for a cli with chase, then an app with Amex.

Separately.. I have to consult the boards wisdom on this- is there a negative affect on your score to someone with a high aaoa applying for a new cc every 1.5 yrs, to take advantage of 0% apr? Other than an annual hp..

---

@lowspender what are your negative Reason Codes for Experian for the various variants and scores? 

yes there is additional negative effects beyond the hardpull. You have the negative effect on average ages as well as keeping you in a new account scorecard on the mortgage Scores, suppressing your scores continually. 

[lowspender]

@lowspender 
what are your negative Reason Codes for Experian for the various variants and scores?

yes there is additional negative effects beyond the hardpull. You have the negative effect on average ages as well as keeping you in a new account scorecard on the mortgage Scores, suppressing your scores continually. 

---

The reason codes are in the first post, about short account history, from Ex, who shows my aaoa as higher than the other 2 bureaus. Other details like closed accounts (paid off) etc, which Aim High pointed out earlier, probably aren't hurting my score. Most of those details are on the prior page. I'm still stumped on why Ex is so much different.

For the other negative affects.. when you have older/mature accounts, I've read members on here that don't lose any aaoa with a new card, so that's a possibility, it seems. So if the mortgage score wasn't a concern, that's the only way it might not be as harmful.

[Anonymous]

---

@lowspender wrote:

@lowspender 
what are your negative Reason Codes for Experian for the various variants and scores?

yes there is additional negative effects beyond the hardpull. You have the negative effect on average ages as well as keeping you in a new account scorecard on the mortgage Scores, suppressing your scores continually. 

---

The reason codes are in the first post, about short account history, from Ex, who shows my aaoa as higher than the other 2 bureaus. Other details like closed accounts (paid off) etc, which Aim High pointed out earlier, probably aren't hurting my score. Most of those details are on the prior page. I'm still stumped on why Ex is so much different.

For the other negative affects.. when you have older/mature accounts, I've read members on here that don't lose any aaoa with a new card, so that's a possibility, it seems. So if the mortgage score wasn't a concern, that's the only way it might not be as harmful.

---

@lowspender you have only one negative Reason code in post one from a classic score. The negative Reason Codes I requested are from the industry variants, such as bankcard and auto, because they may have negative Reason Codes where are you don't have any on the classics scores. This may give us an idea into why the scores are where they are.

As for the possibility of not affecting your average ages, it's not really a possibility it's just math. You can figure out the accounts you have now and you can simulate adding new accounts and the effect it would have on averages. There's a great scoresheet linked in my signature that will allow you to play with it.  

If you have a high number of very old accounts then yes you're probably good. But if you don't and you keep opening accounts continually you will keep your average age low. The better course is to get a longer-term SSL.

No, it doesn't just affect the mortgage Scores, it affects 8/9, but there it only keeps you in a new account scorecard for a year, where the mortgage Scores penalize longer.

[lowspender]

---

@Anonymous wrote:

---

---

you have only one negative Reason code in post one from a classic score. The negative Reason Codes I requested are from the industry variants, such as bankcard and auto, because they may have negative Reason Codes where are you don't have any on the classics scores. This may give us an idea into why the scores are where they are. 

---

Yes, you'd helped me with that prior on the bankcard/auto scores.. I thought highlighting the discrepancy between the bureaus in a clear thread might make an answer more clear, but it hasn't. May be a thin/young file issue, the reports all have the same pertinent history, yet the Ex is wildly lower than the other two. Long term ssl is taken care of, don't want to cripple aaoa with a ton of new accts, so I'll be cautious of that.

---

@Anonymous wrote:

---

No, it doesn't just affect the mortgage Scores, it affects 8/9, but there it only keeps you in a new account scorecard for a year, where the mortgage Scores penalize longer.

---

So it's something I'd want to keep in mind a year or more before a mortgage. Not in the near future plans, will keep that in mind though.

[Anonymous]

---

@lowspender wrote:

---

@Anonymous wrote:

---

---

you have only one negative Reason code in post one from a classic score. The negative Reason Codes I requested are from the industry variants, such as bankcard and auto, because they may have negative Reason Codes where are you don't have any on the classics scores. This may give us an idea into why the scores are where they are. 

---

Yes, you'd helped me with that prior on the bankcard/auto scores.. I thought highlighting the discrepancy between the bureaus in a clear thread might make an answer more clear, but it hasn't. May be a thin/young file issue, the reports all have the same pertinent history, yet the Ex is wildly lower than the other two. Long term ssl is taken care of, don't want to cripple aaoa with a ton of new accts, so I'll be cautious of that.

---

@Anonymous wrote:

---

No, it doesn't just affect the mortgage Scores, it affects 8/9, but there it only keeps you in a new account scorecard for a year, where the mortgage Scores penalize longer.

---

So it's something I'd want to keep in mind a year or more before a mortgage. Not in the near future plans, will keep that in mind though.

---

@lowspender somehow I missed your response. I apologize. I didn't realize we did it in another thread, but because you don't have reason codes on classic, I would have to view the reason codes from the industry variants to try to figure out the reason for the discrepancy.

I don't recall reviewing them but they would be the best window into figuring out the difference.

yes you would want to keep that in mind a year and a half before a mortgage probably, we don't know the exact threshold.