@Anonymous wrote:
Ex and eq dropped 20-30 points today. Here are the minor changes:
1. CLI 3k->5k
2. 2 $400 CLI's. Brings overall limits hovering at 20k.
3. Oldest account dropped off...only had two months of payment reporting on the TL. Length of history went from 12.2 years to 11.8. AAOA only a minor change.
4. Last late reached 1 year old.
5. Amount owed to cc down about $200. With that and increases utl went from 22%->19%
6. 2 collections have not updated in any way.
7. AU card terminated,but have plenty of my own.
Oldest account dropping is really the only negative change...is 12 year history a breaking point? Any other thoughts? I scoured my reports and there is not a single other change.
Hrm, oldest account is likely a bucketable event TBH at least based on the old data on the forums... I've never been able to test that and for various reasons your situation hasn't been well tracked.
Did inquiries land and not get tracked earlier by updates on the CLI's?
Last late hitting 1 year, maybe, but doesn't seem like lates are bucketable quite in the same way that other derogatories are.
Final bit, how good was that AU and what explicitly was the AAOA change between losing your oldest account and also the AU, and what was pre/post score?
