It opened in 1996 (line of credit, closed) ... last activity 2009, last reported 2010
the next oldest 1999 (store card account I closed years ago)... last activity 2006, last reported 2017
next after that is 2009 (auto loan, paid) ... last activity 2009, last reported 2012
then 2011(store card, still open)
then 2017(credit card, open)
2017 (auto loan, open but almost paid off...going slowly now as I don't want it showing paid off yet)
and January of 2019(credit card, open)
Not all of these are reporting by all, it's hit or miss there. (the new ones are all reporting, but some of the old ones are only on TU or EX, etc)
I did it again with just TU....it says it's 3 years. (per the calculator linked above) 7 was for all accounts, including the one that dropped off of TU because it's still reporting on the other 2.
I know what AAOA stands for but don't know what AooA stands for? (and what do you mean "out to two decimals"..for what?)
Scores are from MYFICO. Yes, I have access to other than Score 8 but not sure if the others dropped also or not.
The only score that changed was TU, and it's also the only one that dropped the account. The other two (EQ and EX) are still reporting it.
One thing that TU is notating is that I have too many cards with balances. I actually don't (I only use 2 of my cards a month and rotate them that way, 2 different ones the next month, etc) BUT my husband and I are on a couple of each other's cards because I thought that was a good thing to do. So those are also showing on each of our reports. Now I'm wondering if we both use 2 different cards a month, if that shows as "too many cards with balances" since they are on each of our reports potentially??
"Rebucketing is when you are assigned to a new scoresheet and therefore compared against a different group of people. You’re score therefor changes."
So does that mean, in this scenario, I most likely went into a worse scoresheet (worse creditwise people)?? Or better (better creditwise people)? If better, will it rebound fairly quickly, do you know?
I'm so lost on all of this!
Thank you for the clarification Birdman!
Yes, that is correct, was 7, now 3.
Okay, so the oldest now on TU is from 2009, last reported 2012
I have looked all over inside MYFICO, my scores, alerts, etc. I can only see what all the other TU scores are now. I don't know what they were before as I don't look at those every month. Am I missing somewhere in there that will show me what the Score 4, 9, bankcard, auto scores, etc., were previously??
Hey! No need to apologize!
And wow, I feel dumb! I have never clicked "score" before in the report area. Only "items to review", etc. I always just keep an eye on the dashboard and check scores there.
Okay, here are my scores from April's 3B (4/30)report for TU and June's (6/1)
(I'm a monthly member here at MYFICO)
April and June
Overall - 820 ...... and now 790
Mortgage - 778 ..... and now 741
Auto - 798 ..... and now 759
Score 8 auto - 841 ..... and now 810
Score 9 - 852 ..... and now 811
Credit Card - 845 ..... and now 811
Credit card 5, 4 & 2 - 806 ..... and now 767
Score 9 - 849 ..... 807
Other - 840 ..... 799
Wow, that's depressing! Big drops on all. :/
Hmm, I do now notice my cc utilization changed. But I do pay these off monthly, or mostly as I try not to take them all down to complete 0 because I thought that was not a good thing to do. So most get paid to 0, some get paid to 200 etc.
Balances and utilizations in April and then June were:
222 - 1% .... and now 1,742 - 7% (I actually paid this before then end of May but it showed this on June's report)
0 ...and now 376 - 5%
18 - 1% ... and now 0
2,944 car loan ... and now 2453
0 ... 0
88 - 1% ... and now 55 - 1%
0 ... and now 55 - 18% (store card)
Total utilization for April was 1%
Total utilization for June was 5%
Is that what hurt my score more, the larger balances??
And yes, scores pretty much always stay the same. Up and down in small amounts when I pay a card off, add to a card, etc.
And your other question....is that the analysis and "factors" your are speaking of?