RACE TO 700 TU4. Calling all takers

[UpAndComing74]

@Anonymous 

Thank you!! I do have the Exp app. I have them all for that matter!! Lol.. TU, MyFICO, EX, and the free CK and WalletHub... Did not know EX was useful as no creditors really use it.. How I would love to use it for Mortgage though!! Lol

[Anonymous]

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@UpAndComing74 wrote:

@Anonymous 

Thank you!! I do have the Exp app. I have them all for that matter!! Lol.. TU, MyFICO, EX, and the free CK and WalletHub... Did not know EX was useful as no creditors really use it.. How I would love to use it for Mortgage though!! Lol

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EX app gives actual FICO scores vs CK or WH and such, those give Vantage Score 3.0, so EX app is very useful for scores amd creditors definitely use EX, just depends on which creditor.

[Anonymous]

@UpAndComing74 OK a couple of things. For TU4 the new account range is longer than 12 months. So while the interface shows new accounts in the last 12 months, TU4 has a longer range, although we don't know exactly what that is, it could be 14 months, I'm not sure.

I did notice one report said 6 new accounts and the other said 4 new accounts. that's probably counting in the last 12 months; however, as stated, TU4 considers new accounts longer than 12 months.

Luckily you are in a clean Scorecard on TU4, but that is because the 60 day late is older than 2 years.

Yes delinquencies are known to give points at 6, 12, and 24 months from the most recent one.

I don't see why you should not be able to get them to correct the delinquencies. I believe you're confusing the concept of chargeoffs being updated and losing points when they were sleeping. In your case, the account has not been chargedoff, the date and severity are inaccurate, correct?

forgive me if I missed anything I'm doing this on the go, so I wasn't able to devote my complete attention.

Edited: I believe the change in Score may be due to the inquiry.

[Anonymous]

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@UpAndComing74 wrote:

Hello All,

Especially The Credit Warriors.. Should have you all around a table with a beer with my Credit File in Hand!

@Anonymous  @Anonymous @AllZero @Anonymous @AndySoCal 

Its no secret that I need to gain one point on my midscore to get to 700.  I have two Credit reports in comparison.  One from 10/2020 and one from a pull today.  I LOST 3 points.  Interestingly, the only difference in the reports is a HIGH INSTALLMENT BALANCE reason.  The former report doesnt have it.  The current report does.  I HAVE NOT ACCRUED ANYMORE DEBT!!! Not to mention, my debt has actually went down due to payments over the month.  I have no idea what gives,  Any advice is appreciated.  Also to note, I am at AZEO and I have 3 New Revolvers opened 6/2020, 7/2020, and 7/2020. I have a stubborn late I cannot GW 10 months ago.  (Will i get a bump at 12 months)  I am pulling the Credit 02/01/2020. 

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@UpAndComing74 can you clarify on the second and third groups of photos which report each goes to? Please. 

[UpAndComing74]

2nd Photo is current month 11/27/2020 with lesser debt.

3rd Photo is previous month 10/08/2020 with higher installlment debt.

[Anonymous]

Yeah I think it was the inquiry and profile defending sometimes there are points at three months AoYA.

And as stated, sometimes you don’t see a reason code because it’s suppressed by a higher one, but when that one moves out the way the other one can move up.