Ah, I love posts like this! Nice and clean; nothing else going on; beautiful example of cause-and-effect.
Yes, you ever-so-briefly moved into the squeaky clean bucket. With a twenty-year history and no derogs, I have to assume that you have high util or low average age or something. Are you an AU on an old card, but otherwise your average age is around 4 or 5 years or something? Otherwise, I would have expected not a drop, but a jump to mid-750's, anyway.
The only reason that many people's scores drop with re-bucketing is because there's something on their reports that's weaker than their new peers. If they otherwise match their peers, their scores would probably go up immediately.
Thanks for adding that bit about disputing because it was showing as open instead of closed. I would have been sad to have had to whisk this one away to no-no land.
Yes, you ever-so-briefly moved into the squeaky clean bucket. With a twenty-year history and no derogs, I have to assume that you have high util or low average age or something. Are you an AU on an old card, but otherwise your average age is around 4 or 5 years or something? Otherwise, I would have expected not a drop, but a jump to mid-750's, anyway.
The only reason that many people's scores drop with re-bucketing is because there's something on their reports that's weaker than their new peers. If they otherwise match their peers, their scores would probably go up immediately.
Thanks for adding that bit about disputing because it was showing as open instead of closed. I would have been sad to have had to whisk this one away to no-no land.
Good catch! I'm up too late. *yawn*
Dang, that would have been such a pretty example, too!
Dang, that would have been such a pretty example, too!
Yes my utilization is too high. I'm in the 30's now, down from 100+% 4 mths ago. I also have 10 accounts reporting balances which I know is a little too many, I have over 35 accounts on my report. I get a flag for 10 accounts reporting, but no flag for 9.
haulingthescoreup wrote:
Ah, I love posts like this! Nice and clean; nothing else going on; beautiful example of cause-and-effect.
Yes, you ever-so-briefly moved into the squeaky clean bucket. With a twenty-year history and no derogs, I have to assume that you have high util or low average age or something. Are you an AU on an old card, but otherwise your average age is around 4 or 5 years or something? Otherwise, I would have expected not a drop, but a jump to mid-750's, anyway.
The only reason that many people's scores drop with re-bucketing is because there's something on their reports that's weaker than their new peers. If they otherwise match their peers, their scores would probably go up immediately.
Thanks for adding that bit about disputing because it was showing as open instead of closed. I would have been sad to have had to whisk this one away to no-no land.
