Something Remarkable Happened With My FICO Score

[Remedios]

Closed, I believe three, two fell off last summer. Two mortgages, one auto loan. 

Right now it's the only open one, and it's PL. 

[Anonymous]

@Remedios that's crazy another at 77%?! Wow, somethings going on here, we got to figure it out. And weird numbers too. Did you pass any round numbers in the amount still owed on the loan?

i'm glad you don't have anything reporting anywhere close to it. Other than that, I would initially think it was something else, but we know nothing else is around it. This is very interesting! I will definitely look forward to your reports each month hopefully!

[Remedios]

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@Anonymous wrote:

@Remedios that's crazy another at 77%?! Wow, somethings going on here, we got to figure it out. And weird numbers too. Did you pass any round numbers in the amount still owed on the loan?

i'm glad you don't have anything reporting anywhere close to it. Other than that, I would initially think it was something else, but we know nothing else is around it. This is very interesting! I will definitely look forward to your reports each month hopefully!

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Nice round number I passed was dropping below $4000.00 ( $5000 is original loan amount). 

But, like I said, 0 on EQ, +3 on EX auto 8, and +3 on TU 

I'm messing with percentages by making extra payments, I should probably stop, since 2% narrows it down much better than 2.3%, 2.5% or 2.7% (you get what I mean). So, it could have been 78%, 77%, or nice round number 

Because of extra payment made after due date, next report will have it at exactly 76%. 

It will be a year old in March. 

[Anonymous]

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@Remedios wrote:

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@Anonymous wrote:

@Remedios that's crazy another at 77%?! Wow, somethings going on here, we got to figure it out. And weird numbers too. Did you pass any round numbers in the amount still owed on the loan?

i'm glad you don't have anything reporting anywhere close to it. Other than that, I would initially think it was something else, but we know nothing else is around it. This is very interesting! I will definitely look forward to your reports each month hopefully!

---

Nice round number I passed was dropping below $4000.00 ( $5000 is original loan amount). 

But, like I said, 0 on EQ, +3 on EX auto 8, and +3 on TU 

I'm messing with percentages by making extra payments, I should probably stop, since 2% narrows it down much better than 2.3%, 2.5% or 2.7% (you get what I mean). So, it could have been 78%, 77%, or nice round number 

Because of extra payment made after due date, next report will have it at exactly 76%. 

It will be a year old in March. 

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@Remedios I just had one other thought that we should rule out. The algorithm also tracks the TAO (total amount owed = loans plus revolvers, everything), I believe.

I wonder if you passed any round numbers looking at it from that aspect, TAO?

[Remedios]

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@Anonymous wrote:

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@Remedios wrote:

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@Anonymous wrote:

@Remedios that's crazy another at 77%?! Wow, somethings going on here, we got to figure it out. And weird numbers too. Did you pass any round numbers in the amount still owed on the loan?

i'm glad you don't have anything reporting anywhere close to it. Other than that, I would initially think it was something else, but we know nothing else is around it. This is very interesting! I will definitely look forward to your reports each month hopefully!

---

Nice round number I passed was dropping below $4000.00 ( $5000 is original loan amount). 

But, like I said, 0 on EQ, +3 on EX auto 8, and +3 on TU 

I'm messing with percentages by making extra payments, I should probably stop, since 2% narrows it down much better than 2.3%, 2.5% or 2.7% (you get what I mean). So, it could have been 78%, 77%, or nice round number 

Because of extra payment made after due date, next report will have it at exactly 76%. 

It will be a year old in March. 

---

@Remedios I just had one other thought that we should rule out. The algorithm also tracks the TAO (total amount owed = loans plus revolvers, everything), I believe.

I wonder if you passed any round numbers looking at it from that aspect, TAO?

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No, no nice round round numbers. 

Something like $7650 to $7450 

(Remember, there is no utilization change on revolvers  from 20th of the previous month when last card reports, till 11th of the following month when next card reports)

That's what makes it incredibly easy to isolate. 

Loan is with US Bank, and it updates between 4th and 6th.  

[Anonymous]

Definitely looking forward to your updates this is very interesting!

[dustind]

"No, no nice round round numbers.

Something like $7650 to $7450"

Is it possible $7500 is a threashhold? That is a reasonably round number.

[Anonymous]

We really don’t know we’re just starting to catalog balance thresholds and we need all the help we can get!

[Anonymous]

There has been one found at an odd number though so.

[Anonymous]

I'm starting to think nice round numbers matter less and less over time.  Latest example would be the ~$27k-$28k threshold for a revolving tradeline being excluded from utilization on some scoring models, for example.