Penalty For A Zero Balance Reporting? Non-usage

[Anonymous]

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@Revelate wrote:

Interesting.  TY for the datapoint re CFAs.

For me my CFA has always been in the #4 position I believe on all scores that I've ever received reason codes for and sometimes it's been below that depending how many variable things I have wrong with my file (inquiries, new accounts, wayward utilization, etc) where it can be pushed off the table easily, wasn't expecting a 39 point swing on FICO 8 certainly.  Out of curiosity do you have before and after reason codes?  That seems high for a small modification of an existing scorecard to me but hard to say without much closer analysis.

Unfortunately I haven't been in the same bucket on TU (stupid lates on the JCB tradeline sorry y'all for being dumb) screw up the analysis as my CFA is only on EX/EQ.  Mine is still another 18 months away from falling off.

That large of a penalty when my file was at it's cleanest I wonder if I would've already hit 850, just seems way too high to me for that namely 30D late territory.

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I do have the reason codes. It was only the EQ 5s (mortgage/BCE/AE) that increased scorewise. F8s stayed roughly the same and F9s went down.

EQ listed the negative reason codes and they aged off EQ. The other 2 bureaus were not the same situation due to variances in reporting between the bureaus.

The bigges tsign of the CFA coming completely off the list is in the EQ5 (mortgage) reason codes. It went from 3rd ranking to off the list. The 4 SLs (CFAs) were the only changes between 11/20 and 12/20.

There is also the consideration of crossing threshold(s) in AAoA, but that went down, and not up, so that would have worked against any benefit (score gain) from the CFAs coming off. 

11/20

12/20

11/20

12/20

11/20

12/20

[Anonymous]

Yeah I got to admit those are some surprising data points. I would love to see the corresponding data points on the other bureaus if that is possible when they drop. Or did they already drop from the others?

[Anonymous]

Without the data provided and just shooting from the hip, I would have lumped reason codes 1 and 2 together in terms of similar negative scoring impact, then codes 3 and 4.  I turns out the CFA (3) is closer to 1 and 2 than 4, which is quite surprising.

[Anonymous]

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@Anonymous wrote:

Without the data provided and just shooting from the hip, I would have lumped reason codes 1 and 2 together in terms of similar negative scoring impact, then codes 3 and 4.  I turns out the CFA (3) is closer to 1 and 2 than 4, which is quite surprising.

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I was also quite surprised by this, which make me feel that the scoring penalty may be more than just a few points, after all.

[Anonymous]

Oh, and @Anonymous , did you notice the negative reason cide for the balance on revolving/open ended accounts? Remember how I showed you screen shots where my SLs were being factored in, but you said it was likely a misrepresentation by MyFico? I am still feeling like somehow my SLs are being calculated as revolving credit/open ended debt. I am at AZEO with $10 reporting on the non-zero card. Do you think the negative reason code is also a misrepresentation of the data that has been misrepresentated by MyFico?

[Anonymous]

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@Anonymous wrote:
Yeah I got to admit those are some surprising data points. I would love to see the corresponding data points on the other bureaus if that is possible when they drop. Or did they already drop from the others?

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Unfortunately those TLs are not on TU or EX, but I may be able to dig up the reports.

[Anonymous]

Looks like that balance negative reason code is visibile on Auto 5 only?  I wonder if that algorithm is somehow interpreting the data a different way as you may have suggested.

[Anonymous]

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@Anonymous wrote:

Oh, and @Anonymous , did you notice the negative reason cide for the balance on revolving/open ended accounts? Remember how I showed you screen shots where my SLs were being factored in, but you said it was likely a misrepresentation by MyFico? I am still feeling like somehow my SLs are being calculated as revolving credit/open ended debt. I am at AZEO with $10 reporting on the non-zero card. Do you think the negative reason code is also a misrepresentation of the data that has been misrepresentated by MyFico?

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@Anonymous wait a minute, you're getting a Revolving Balance negative reason code and the only revolver with a balance is $10? If that's the case, then your theory must be right, imho. Maybe because something was miscoded, maybe not, because I'm quite sure $10 doesn't put you over the first threshold. 

[Anonymous]

@Anonymous 

[Anonymous]

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@Anonymous wrote:

@Anonymous 

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@Anonymous Wow! I thought you meant a negative reason code. But nevertheless that's the score ingredient section from MF, so it's supposed to hold water too. Are the respective Score differences? Looks like it might be miscoded to me.