Interesting finding and info, T.Thumb. That does make sense and would suggest that to get the best scores relative to one another they should be pulled at a time when nothing is reporting.
Ok that makes total sense. I notice that too in my "snapshots".
Also please excuse me. I've never been able to rid myself completely of the suspicion/paranoia of all this. :-)
I haven't been on this forum along time (even though my stats says I've read 7,069 posts), but this is the first time I've heard of buckets. It certainly explains what I have felt, in a much more defined way, about being on different levels. I had discussions with a few of you on this thread (under the name terrynj then) about huge score swings with my util moving around. Basically I had a $1k card for 4 years and bought a TV on a 36 mo/zero interest devil card. I at the time had 5 bad derogs that were 6 yrs old. My score was 680 before the TV and 630 after. I started learning about credit and begin to pay down the TV. At 49% util I was at 645, at 37% it went to 655 which followed a chart I had (Thats another story) that my scores followed perfectly. By the time I was down to below 30% I was back up around 680. The chart showed that by the time I would be down to 1%, I could be at 755.
BrutalBodyShots said he swung his util 30 % and it only made about 6pts differences in his score. i felt at the time, I new my profile was completely different than his... your not going to get to 750 if you have 5 derogs and 1% util. I now understand that would be because your in a different bucket and have leveled off. I cant compare anything now, because my circumstances have changed. I only have 1 derog and now it falls off next month. I picked up 2 new credit cards in september (BCE and CSP) , my util is 12%. Neither card is reporting...yet
I had crept up to the 690's in August, but I cant say for sure because I didn't know how to pull Fico scores and only had 1 Fako. I had to buy a new car, so when I did, my scores dropped. I have 2 cars with around 30k cl and owed 15k. new car cl 21k...owed 21k so new total Installment util was 74%...my Revolving was a TCL 9k and owed 17% at the time....so here is what my scores dropped to:
My first myFico 3B pull 9/10: EQ-662 TU-667 EX-675 - Cant really compare this to anything since this is my first true fico8 pull
Now heres my scores as of 10/3...EQ-652 TU704 EX 680- Neither new card had hit.
I pif'ed my Chase card and it reported to all 3B, my 12% util dropped to 8% with the extra 5k cl
Now heres my scores as of 10/7...EQ-658 TU700 EX 681- Chase card reporting and going under 10% util
Now I am nervous about when the BCE hits...My AAoA is what is going to cringe..Longest acct is 10yrs onTU, EQ & EX don't show a car I had 10 years ago, so they show 8yrs, which is why I think they run lower than TU. my AAoA is around 3.8 yrs,, so 2 new cards and car is going to hurt, but I will be aging them from here on out.
It will be very interesting when my derog falls off in November. My report should be clean (& 6 yrs perfect payments) and a new bucket maybe? Will my low AAoA and recent inq's and new accts put me in a different (less dirty lol) bucket?