I'm hoping I was a victim of rebucketting

[Repo-ed]

My 1st quarterly TU update gave way to a 680 FICO

My 2nd quarterly TU update (today) now shows a 655 FICO

The only changes to my report were all but 1 baddie have been removed, plus the addition of my 2 loans, Amazon, Amex, Walmart, and Barclay cards (so hit to AAoA).  The same 30 point ding I see with TU, I gained 40 points in EQ with the same deletions/additions.  My util is 7%

[llecs]

Are you 100% baddies free? If the baddie was a CO, could the age have helped TU AAoA?

Was there a significant improvement to util with the added cards? IME, EQ hit hardest with util and TU not so much. If this is the case, I'd surmise that util gains cancelled out the negative impact of added credit moreso on EQ than TU, resulting in a net TU drop.

[Repo-ed]

The difference in Q1 report and Q2 report were the deletion of 2 collections and 1 30 day

EQ and TU reflect the same with regards to deletions and the only remaining baddie being my repo from 07.

Oh well. Not much can be done about it, regardless. Just sucks to see such a chuck taken from one, and given to the other.

[llecs]

I vote no on rebucketing due to the repo. Hey, at least both didn't drop and you should see gains on both as the new accts age.

[Repo-ed]

Wally score model up 19 points to 674  - I'll take that!