Some light reading for the FICO nerds. Number of cards reporting DPs: 80% to AZEO in 20% increments.

[Anonymous]

This is my own AZEO report. 50% of cards reporting a balance.

EX doesn't tell the whole story.

CassieCard 3B Report - Score changes at AZEO, CRA Comparison

MTG(Mortgage), AUT(Auto), and BKC(Bankcard) scores are 5,4,2 from the top.

	8	BC8	AU8	MTG	AUT	BKC	9	BC9	AU9	3
EQ	+19	+23	+20	+1	+1	+4	+16	+17	+17
TU	+14	+22	+16	+6	+6	+6	+27	+27	+27
EX	0	+3	0	+10	+9	+7	+6	+6	+6	+2

AoOA 2yr1mo | AAoA 1yr5mo | AoYA/AoYRA/AAoRA 1yr1mo

8% to 5% aggregate change, ($816 to $539), TCL $11K

(9 & 8) to (0 & 6)% on 2 individual cards

[Anonymous]

It appears to support Rev’s finding of scorecard reassignment when a 60 day late hits two years on the mortgage scores!

See posts 10 and 17.

[Revelate]

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@Anonymous wrote:

Thank you @Ficoproblems247 . That is helpful.  @Revelate check it out. (post 10 and 17)

@SouthJamaica 😂😂😂👍

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Matches other than recent missed payment was probably in the 3 or 4 slot like you suggest.

I only had the 60D on TU and that is my worst monitored bureau but 2 years looks to be a solid breakpoint with the confirmation.

[Revelate]

@Anonymous That really is a great data format.  Even comes though super clearly on the iPhone screen.

[Anonymous]

@Revelate Wait a minute. He dropped the serious delinquency code from score 8 at two years as well. He has a 60 day late under 7 years but he doesn’t have the serious delinquency mark even on score 8.

Wth? So did he change dirty scorecards from the recent delinquency card to the aged delinquency card on 8? And if so, is that what happened to you? Because he doesn’t have new accounts listed as a reason code, so he can’t be in a clean card on 8. He still has the 30 day late but that wouldn’t put him in a dirty card.

So both of you switched to a clean card on the mortgage scores, because yours is TransUnion and his Experian. And both of the mortgage scores have lost serious delinquency and gained new accounts. Wonder if this applies on Equifax as well?

@Ficoproblems247 when you saw the increases you told me about at 24 months, was that on score 8 or score 2 or both? I am assuming both it should’ve been.

[Ficoproblems247]

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@Anonymous wrote:
@RevelateWait a minute. He dropped the serious delinquency code from score 8 at two years as well. He has a 60 day late under 7 years but he doesn’t have the serious delinquency mark even on score 8.

Wth? So did he change dirty scorecards from the recent delinquency card to the aged delinquency card on 8? And if so, is that what happened to you? Because he doesn’t have new accounts listed as a reason code, so he can’t be in a clean card on 8. He still has the 30 day late but that wouldn’t put him in a dirty card.

So both of you switched to a clean card on the mortgage scores, because yours is TransUnion and his Experian. And both of the mortgage scores have lost serious delinquency and gained new accounts. Wonder if this applies on Equifax as well?

@Ficoproblems247when you saw the increases you told me about at 24 months, was that on score 8 or score 2 or both? I am assuming both it should’ve been.

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Unfortunately, I was still newer to the forums and not actively tracking anything like I am now so I am unaware of my FICO 2 scores at the time. I was tracking EX FICO 8 from their website, TU 8 from Discover's site, and EQ Bankcard 8 from Citi's site.  So movement on those scores that I can see after digging a bit: EX 690-720, +30; EQ 674-729, +67; TU 674-729, +55. All reason codes on those respective sites changed from serious delinquency, to "accounts ever late," or "bad payment history" or something similar. Now I did have other things going on with my credit at the time so there may have been more involved than just that, but I am sure the 60D aging is the main reason for such a large bump. I went from 1 open relvolver before 9/19, to opening 3 more. 1 in 9/19, and 2 in 10/19, so those may have played a role in some score movement too.  

[Anonymous]

@Ficoproblems247 yeah I think around 50 points is normal so absolutely that was the largest catalyst. Did you have a EX subscription back then? If so you can go back in time on your reports.

[Ficoproblems247]

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@Anonymous wrote:

@Ficoproblems247 yeah I think around 50 points is normal so absolutely that was the largest catalyst. Did you have a EX subscription back then? If so you can go back in time on your reports.

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Only their free service that updates when triggered. Thats where I looked back to pull my historic score from. Unfortunately because of that I only had standard version 8 in the archives. I am curious as to what my gains will look like when my most recent, a 30D ages past 2 years in Oct/Nov. If the change is worth following, I'll stop being cheap and pay for a few months of MyFICO to track it to have some extra DPs for everyone!

[Revelate]

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@Anonymous wrote:
@RevelateWait a minute. He dropped the serious delinquency code from score 8 at two years as well. He has a 60 day late under 7 years but he doesn’t have the serious delinquency mark even on score 8.

Wth? So did he change dirty scorecards from the recent delinquency card to the aged delinquency card on 8? And if so, is that what happened to you? Because he doesn’t have new accounts listed as a reason code, so he can’t be in a clean card on 8. He still has the 30 day late but that wouldn’t put him in a dirty card.

So both of you switched to a clean card on the mortgage scores, because yours is TransUnion and his Experian. And both of the mortgage scores have lost serious delinquency and gained new accounts. Wonder if this applies on Equifax as well?

@Ficoproblems247when you saw the increases you told me about at 24 months, was that on score 8 or score 2 or both? I am assuming both it should’ve been.

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Unfortunately FICO 8 reason codes suck.

TU FICO 4 has no reason codes (out of 4) showing any sort of late and has positive scorecard reason codes that don't exist in the derogatory ones.

FICO 8 at least for TransUnion does mark it as late; about the only way to know for certain would be on the myFICO monitoring on the TU score change alerts where they give you 4 reason codes straight from the bureau without any sloppy interpretation or "consumer friendly" presentation *snort*.

Anyway photo from BOFA.

[Anonymous]

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@Ficoproblems247 wrote:

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@Anonymous wrote:

@Ficoproblems247 yeah I think around 50 points is normal so absolutely that was the largest catalyst. Did you have a EX subscription back then? If so you can go back in time on your reports.

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Only their free service that updates when triggered. Thats where I looked back to pull my historic score from. Unfortunately because of that I only had standard version 8 in the archives. I am curious as to what my gains will look like when my most recent, a 30D ages past 2 years in Oct/Nov. If the change is worth following, I'll stop being cheap and pay for a few months of MyFICO to track it to have some extra DPs for everyone!

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@Ficoproblems247 Rev is right, it would be great to see 4 reason codes for TU8. So if you're willing to do a few months (so you cover before and after that dropping), that would be great! Please give us the DP's, if you do!

@Revelate Next time you get a TU score change alert, let's see what yours says for TU8.