Has anyone noticed anomalies with FICO 5,4,2 recently?

[Anonymous]

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@Anonymous wrote:

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@Trudy wrote:

Didn't warrant any where close to a 70pt difference but there seems to be an AAoA threshold between 11y8m and 11y11m.  @Anonymous and I went back and forth several months ago trying to determine why all of my EX2 scores dropped (5-7pt).  With all of my accounts reporting between a specific time frame this was odd as I could not find a change and it was not during that reporting period.  Eventually realized I had an old closed account fall off EX which dropped my AAoA by a 3 months.

Just something else to remind us that the 5,4,2's (at least 2's for this example) may respond differently to changes.  Thought I'd share my experience.

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@Trudy:    In the original thread   you and @Anonymous  decided that the drop was probably due to  number of accounts with balance rather than an age metric.

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@Anonymous yes you're absolutely correct; I knew something was bothering me, I just couldn't put my finger on it. Thank you for pointing that out!

[Anonymous]

Can't seem to access the score ingredients for an older report but here are the answers based on the 9/11 pull and some other data I was able to find for 8/26:

1. AAoA is 93 months, AoNA is 8 months -- likely 7 months in the 8/26 pull

2. Number of accounts is 25 in both reports

3. No, there are no new negative reson codes. I missed 2 payments in 2018 and that's the only derogatory item on any of my reports. Nothing has changed in the regard

[Anonymous]

Please refer to my response to @SouthJamaica in the thread. Let me know if there is anything else I can provide. 

[Anonymous]

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@Anonymous wrote:

3. No, there are no new negative reson codes. I missed 2 payments in 2018 and that's the only derogatory item on any of my reports. Nothing has changed in the regard

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@Anonymous  When exactly were those late payments? And of what nature (30 days, 90 days, 120 days)?

@AnonymousMaybe the OP switched scorecards from dirty to clean. Your primer says the  late payments  only count for 2 years for the  mortage scores  (with respect to scorecards)

[Anonymous]

60 days in March 2018. They've been on my report for 2 years, I can't imagine the impact is more weighted now than it was 2 weeks ago or every month between march 2018 and August 2020. Have you seen something similar before?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

3. No, there are no new negative reson codes. I missed 2 payments in 2018 and that's the only derogatory item on any of my reports. Nothing has changed in the regard

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@Anonymous  When exactly were those late payments? And of what nature (30 days, 90 days, 120 days)?

@AnonymousMaybe the OP switched scorecards from dirty to clean. Your primer says the  late payments  only count for 2 years for the  mortage scores  (with respect to scorecards)

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@Anonymous Astute thinking! You could be correct and although it hasn't been confirmed on all mortgage models, it most likely is on all of them. You may be correct.

(for other readers it doesn't mean that they don't count, it just means you switch back to a clean scorecard on some mortgage models after two years after a delinquency which can cause unpredictable score changes, but there's been limited testing to confirm whether it applies to all delinquencies and other specifics.

Edit: No, it would've been exactly 2 years on the first of the month. Good thinking though!

[Anonymous]

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@Anonymous wrote:

60 days in March 2018. They've been on my report for 2 years, I can't imagine the impact is more weighted now than it was 2 weeks ago or every month between march 2018 and August 2020. Have you seen something similar before?

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@Anonymous it's not the impact would be weighted more, @Anonymous was bringing up the possibility of a scorecard change, which can cause unpredictable results, but I think we can rule that out since the late is past two years old and you have no other derogatories. 

I would advise you to go pull your reports from annualcreditreport.com and see if there is anything there, that's the most accurate data you can get and compare it to what you have pulled. 

no accounts have aged off or any loans closed or any changes whatsoever that you can see or think of?

[Anonymous]

Nothing I can think of, but that's great advise. I'll review my report there. 

[Anonymous]

@Anonymous By the way they are free weekly until I think April 2021 so you can pull them now online and again next week and every week until then.

[Anonymous]

Thanks for this advice. I noticed that an account review inquiry was made on my account on 9/10, so that may have been the culprit. A 70 point drop for an inquiry seems a bit agressive though. It wasn't on the my fico report which was a bit alarming. Thanks for your help!