Let's talk dirty (scorecards)

[Anonymous]

I've been reading a lot about scorecards, and I think the dirty ones are a bit simpler.  A few years ago there seemed to be some questions about what put you on a dirty scorecard, the concensus now is that a single 60D late keeps you on a dirty card.

AoYA doesn't impact dirty cards.  AZEO doesn't help dirty scorecards either.

I've read a couple posts suggesting single-card utilization thresholds are higher on dirty scorecards too (49% instead of 29%).  Has that been confirmed for FICO-8?

Even on a dirty scorecard, you can still have a very good score.  The highest reported score on a dirty card I've seen is 780.  With a bankruptcy, which probably puts you on the worst scorecard, I've seen a report of 747.

Having an installment loan reporting <9% is supposed to help even dirty scorecards.  Is there any benefit over 9?  For example, is an installment loan at 29% better for FICO-8 than an installment loan at 90%?

I've read some theories, but nothing conclusive regarding the segmentation factors for the dirty cards.  I think it's safe to assume that a BK and collection will put someone on the worst of the 4.  I read a post by T_T from 2 years ago suggesting age is a factor, with an aged minor derog giving the least-bad dirty scorecard.  Is there any conclusive data on the segmentation factors for the dirty cards?

Is there anything else special about dirty scorecards?  By special I mean some factor that impacts your score on a dirty card but doesn't on the clean cards, or vice versa.

[Aspireto850]

Great post and I’m very interested to read the different POVs. I’ve read scenarios of other’s files appearing to be dirtier than mine but having a much higher score; so this question is great timing.

I’ve been doing a lot of ‘spring cleaning’ on my reports the last few months and continuing to learn but didn't realize there were actually different scorecards. It makes sense on the surface but practically speaking I'm imagining little Bots moving your credit profile in & out of scorecard boxes everytime you enter a new category.  

 







Account B

[Aspireto850]

@NerdRalph,

Also, whose defining ‘dirty’; is or the creditors?

[FireMedic1]

Read @Thomas_Thumb 's post about dirty vs clean. Dude knows his scorecard stuff with charts and graphs. He is a scorecard guru.

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Top-score-on-a-dirty-scorecard/td-p/5309... 

[Anonymous]

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@Aspireto850 wrote:
@NerdRalph,

Also, whose defining ‘dirty’; is or the creditors?

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I'm referring to the 4 FICO-8 dirty scorecards.

[Anonymous]

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@FireMedic1 wrote:

Read @Thomas_Thumb 's post about dirty vs clean. Dude knows his scorecard stuff with charts and graphs. He is a scorecard guru.

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Top-score-on-a-dirty-scorecard/td-p/5309... 

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That's one of the threads I read and summarized in my post.  One of the things that was discussed in that thread was whether a single aged 60D late kept you on a dirty card.  From reading all of that thread and a couple others, the conclusion seems to be yes.

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[BallBounces]

Perhaps someone can remind me, how do we know there are 4 dirty and 8 clean scorecards?  (FICO8)

Never mind ... I think I found it.

[Aspireto850]

@ BallBounces,

Please share what you found.

Thanks.

[Remedios]

It's really no secret. Score card segmentation search should yield numerous threads

Here is first one  that showed up for me 

[BallBounces]

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@Aspireto850 wrote:

@ BallBounces,

Please share what you found.

Thanks.

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There are several places that reference it, including here on MyFICO I think.  Here is one example of an article discussing the move from 10 to 12:  https://www.cnbc.com/id/32284575