Ratio of loans:revolvers

[Slabenstein]

I think the obvious explanation here is that @Brian_Earl_Spilner has an enchanted profile that comes to life at night and switches reason codes while the banker sleeps.

[Brian_Earl_Spilner]

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@Slabenstein wrote:

I think the obvious explanation here is that @Brian_Earl_Spilner has an enchanted profile that comes to life at night and switches reason codes while the banker sleeps.

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Nah, my profile is super weird. I get approved for things I shouldn't, and my stuff doesn't grow like everyone else's. I don't know why, but I'm always the outlier.

Something I just realized, I may be getting different reason codes if they're pulling different bureaus for everything. Soooo, they might not be changing. Ehhh.... 😅 

[Slabenstein]

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@Brian_Earl_Spilner wrote:

Something I just realized, I may be getting different reason codes if they're pulling different bureaus for everything. Soooo, they might not be changing. Ehhh.... 😅 

That's more logical.  But also less fun.

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[Anonymous]

But if they give the lender five they could pick and on different days different pulls may have different statements. Plus different bureaus of course.

[Anonymous]

@Anonymous it's an afterthought, but number of bankcards is a scoring factor for mix as well. So there's at least three scoring factors in mix. That's in contrast to number of accounts which is a segmentation factor.

[Anonymous]

I revised post 5 & its first section, section 5: “credit mix” of the Scoring Primer. I think it’s worth a read:

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/General-Scoring-Primer-and-Version-8-Mas...