I'd confirm if if I had a clue what you guys are talking about. 
My report has actually been rather un-busy for a couple months. Last new account hit in late July and my reported util has been the same at 3% for several months, coming from a single card reporting.
@Anonymous wrote:
@Thomas_Thumb wrote:Trying to analyze your score changes relative to changes in installment loan balances based on your previous post. I am not sure if I was reading your loan info properly.
Nothing related to CCs or CC utilization - specifically loans.
I'd confirm if if I had a clue what you guys are talking about.
My report has actually been rather un-busy for a couple months. Last new account hit in late July and my reported util has been the same at 3% for several months, coming from a single card reporting.
Yeah, I know it's not related to CC's. I added that additional info because it relates to file activity.
Thanks - I had assumed other factors were held "constant" but it is best to confirm. Your data is pretty solid but I wanted to confirm sequence of events which I understand as follows:
CAPTOOL's event sequence viewed in aggregate:
(525+4558)/7050 = 72.1% => (125+4558)/7050 = 66.4% => 125/2050 = 6.1% (new loan & balance not on CB report yet)
@ * ........score 712 @ 72% => score 723 @ 66%, score 722 @ 66% => score 741 @ 6%
The aggregate view suggests a breakpoint between 72% to 66% (at 70%?) and perhaps 2 breakpoints (or one with a larger impact) going from 66% to 6%.
Am I re-stating the event summary with corresponding scores correctly?
@Thomas_Thumb wrote:
@Anonymous wrote:
@Thomas_Thumb wrote:Trying to analyze your score changes relative to changes in installment loan balances based on your previous post. I am not sure if I was reading your loan info properly.
Nothing related to CCs or CC utilization - specifically loans.
I'd confirm if if I had a clue what you guys are talking about.
Yeah, I know it's not related to CC's. I added that additional info because it relates to file activity.
Thanks - I had assumed other factors were held "constant" but it is best to confirm. Your data is pretty solid but I wanted to confirm sequence of events which I understand as follows:
CAPTOOL's event sequence viewed in aggregate:
(525+4558)/7050 = 72.1% => (125+4558)/7050 = 66.4% => 125/2050 = 6.1% (new loan & balance not on CB report yet)
@ * ........score 712 @ 72% => score 723 @ 66%, score 722 @ 66% => score 741 @ 6%
The aggregate view suggests a breakpoint between 72% to 66% (at 70%?) and perhaps 2 breakpoints (or one with a larger impact) going from 66% to 6%.
Am I re-stating the event summary with corresponding scores correctly?
Yep, that's correct.
Now I know what the verbiage is when installment loans are paid way down.
