Fico Score dripped 13 points - 2 changes- thoughts?

[Anonymous]

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@Anonymous wrote:
Minor delinquency scorecard? Top eight? I’m confused. My understanding was that was bottom 4. You have minor and major Derog scorecards? That’s 2 of the bottom 4, I thought? We are talking FICO 8?

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I always understood it that a lone minor (say, 30 day) on certain profiles wouldn't land someone in a dirty scorecard (thus keeping them in the top 8).

[Anonymous]

That's also my understanding, that it takes a 60D to land in a derog scoresheet. But, I thought for instance a 60D put you in one of the top 2 of the bottom 4 dirty (minor derog card). Then a 120D or CO would put you in the bottom 2 of the bottom 4 (major derog card).

I'm still learning, and don't know alot about dirty cards.

[Revelate]

30D aka minor delinquency is one of the top 8 scorecards.

60D bottom 4.

FICO 04 onward at least and probably 98 too though I can’t test that.