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@Anonymous: I see that you got the TOC ok, so I'm deleting it from this post.
@AllZeroThat would be awesome, please keep me updated! Thanks!
@AnonymousYep, thanks to you I got it Cassie! Can't thank you enough!!
@AllZero wrote:@Anonymous. You mentioned scorecard assignment. Can you include known thresholds? For thick,thin, aged, etc.
@AllZero it's already there. See the quick reference chart at top which has the information. Or for detailed information, see sections A1, C1, D1 and E1.
The only one we know for sure is AOYRA. 12 months. There is debate as to the threshold for aged (most think between 10 and 15 years, but some have theorized much lower) and it is believed if you have 5 or 6 accounts it makes you thick. A 60 day late makes you dirty. It is unknown to me whether a certain number of 30 day lates will make you dirty.
I know I haven't been here long, but this thread is now officially my favorite. There is so much win in the research and datapoints in one spot. Amazing job. Wow!
JOINED 4/2020
FICO 8 = 582, 620, 589 / Mortgage = 633, 526, 581
CURRENT PEAK *Thanks to the MF Community!
FICO 8 = 715, 711, 720 / Mortgage = 688, 696, 681
@TheKid2 Thank you! I am actually updating it now based on some info I just learned researching your situation. Occasionally you should probably scroll thru the first 8 posts and see if there is a recent update made and if so, read it again.
I'm far from flawless and am trying my best to correct any errors and add additional info.