Fico codes have changed but are they showing them all on my report?

[AzCreditGuy]

In my quest to get the "too many accounts with balances" code removed and to see if this was causing pt loss, I micromanaged my accounts for the past 2 and a half months going from 791 to 803

4 codes3 codes

As you can see back in April I had 4 codes and now I am down to 3, so am I to assume that these are the only codes on my Fico? Or is Equifax not showing them all? I was expecting to see the CFA code, but its not there

[NYC_Fella]

Personally, I'm convinced that these "codes" are meaningless and bear little relationship to the score.

[AzCreditGuy]

---

@NYC_Fella wrote:

Personally, I'm convinced that these "codes" are meaningless and bear little relationship to the score.

---

I agree but they are still there and we must all play the Code game

[SouthJamaica]

---

@AzCreditGuy wrote:

In my quest to get the "too many accounts with balances" code removed and to see if this was causing pt loss, I micromanaged my accounts for the past 2 and a half months going from 791 to 803

4 codes3 codes

As you can see back in April I had 4 codes and now I am down to 3, so am I to assume that these are the only codes on my Fico? Or is Equifax not showing them all? I was expecting to see the CFA code, but its not there

---

Congratulations. What are the numbers of (a) open accounts and (b) accounts with balances as of June 1st and April 18th on Equifax?

[AzCreditGuy]

---

@SouthJamaica wrote:

---

@AzCreditGuy wrote:

In my quest to get the "too many accounts with balances" code removed and to see if this was causing pt loss, I micromanaged my accounts for the past 2 and a half months going from 791 to 803

4 codes3 codes

As you can see back in April I had 4 codes and now I am down to 3, so am I to assume that these are the only codes on my Fico? Or is Equifax not showing them all? I was expecting to see the CFA code, but its not there

---

Congratulations. What are the numbers of (a) open accounts and (b) accounts with balances as of June 1st and April 18th on Equifax?

---

[SouthJamaica]

---

@AzCreditGuy wrote:

---

@SouthJamaica wrote:

---

@AzCreditGuy wrote:

In my quest to get the "too many accounts with balances" code removed and to see if this was causing pt loss, I micromanaged my accounts for the past 2 and a half months going from 791 to 803

4 codes3 codes

As you can see back in April I had 4 codes and now I am down to 3, so am I to assume that these are the only codes on my Fico? Or is Equifax not showing them all? I was expecting to see the CFA code, but its not there

---

Congratulations. What are the numbers of (a) open accounts and (b) accounts with balances as of June 1st and April 18th on Equifax?

---

---

So you went from 3/10 to 2/10 and you think that gave you 12 points?  I seriously doubt that. 

[AzCreditGuy]

---

@SouthJamaica wrote:

---

@AzCreditGuy wrote:

---

@SouthJamaica wrote:

---

@AzCreditGuy wrote:

In my quest to get the "too many accounts with balances" code removed and to see if this was causing pt loss, I micromanaged my accounts for the past 2 and a half months going from 791 to 803

4 codes3 codes

As you can see back in April I had 4 codes and now I am down to 3, so am I to assume that these are the only codes on my Fico? Or is Equifax not showing them all? I was expecting to see the CFA code, but its not there

---

Congratulations. What are the numbers of (a) open accounts and (b) accounts with balances as of June 1st and April 18th on Equifax?

---

---

So you went from 3/10 to 2/10 and you think that gave you 12 points?  I seriously doubt that. 

---

No clue where you think I said My scores jumped 12 pts when I was talking about codes here? BTW EQ went up 6 pts since April... 

[SouthJamaica]

---

@AzCreditGuy wrote:

---

@SouthJamaica wrote:

---

@AzCreditGuy wrote:

---

@SouthJamaica wrote:

---

@AzCreditGuy wrote:

In my quest to get the "too many accounts with balances" code removed and to see if this was causing pt loss, I micromanaged my accounts for the past 2 and a half months going from 791 to 803

4 codes3 codes

As you can see back in April I had 4 codes and now I am down to 3, so am I to assume that these are the only codes on my Fico? Or is Equifax not showing them all? I was expecting to see the CFA code, but its not there

---

Congratulations. What are the numbers of (a) open accounts and (b) accounts with balances as of June 1st and April 18th on Equifax?

---

---

So you went from 3/10 to 2/10 and you think that gave you 12 points?  I seriously doubt that. 

---

No clue where you think I said My scores jumped 12 pts when I was talking about codes here? BTW EQ went up 6 pts since April... 

---

I got it from this statement you made in your original post "I micromanaged my accounts for the past 2 and a half months going from 791 to 803".  Sorry if I misunderstood.

[AzCreditGuy]

Thats my

---

@SouthJamaica wrote:

---

@AzCreditGuy wrote:

---

@SouthJamaica wrote:

---

@AzCreditGuy wrote:

---

@SouthJamaica wrote:

---

@AzCreditGuy wrote:

In my quest to get the "too many accounts with balances" code removed and to see if this was causing pt loss, I micromanaged my accounts for the past 2 and a half months going from 791 to 803

4 codes3 codes

As you can see back in April I had 4 codes and now I am down to 3, so am I to assume that these are the only codes on my Fico? Or is Equifax not showing them all? I was expecting to see the CFA code, but its not there

---

Congratulations. What are the numbers of (a) open accounts and (b) accounts with balances as of June 1st and April 18th on Equifax?

---

---

So you went from 3/10 to 2/10 and you think that gave you 12 points?  I seriously doubt that. 

---

No clue where you think I said My scores jumped 12 pts when I was talking about codes here? BTW EQ went up 6 pts since April... 

---

I got it from this statement you made in your original post "I micromanaged my accounts for the past 2 and a half months going from 791 to 803".  Sorry if I misunderstood.

---

That was a typo 

[AndySoCal]

@AzCreditGuy  Their can be upto four reason codes with the FICO.  My FICO score codes I have only two.  The score codes are in order of impact on the score.   The fourth score  not being shown  helped your score go up. I would presume the number of accounts reporting a balance went down. As I have told people trying to get the  mortgage middle score to a certain number. Forget the highest score look at the other two bureaus and look at the reason codes in order of impact and see what is impacting those scores and can that be addressed.