@Trudy wrote:
@Anonymous wrote:
@Curious_George2 wrote:
@Anonymous wrote:
@Curious_George2 wrote:
@Anonymous wrote:
I would’ve expected 5, 4 and 2 to have it at 31% with a balance. Hmmm. You weren’t lying when you said you had a weird file. Lol.Do we have a solid understanding of what gets included in the denominator for these? Obviously open loans and cards do. What about closed loans and closed cards?
I went from 7 accounts with balances to 8 overnight and EX2 took away 6 points. It had just given me those points two days ago when I went from 8 to 7, so kudos for consistency. On EX, I have 14 open accounts, 12 closed. One of the closed accounts is a card, all the others are loans.
So if only open accounts count, 7/14 (50%) is OK. 8/14 (57%) is not.
If open and closed everything counts, 7/26 (27%) is OK. 8/26 (31%) is not.
Also, FWIW, EX2 didn't care that my scorable inquiries went from 4 to 2, which also happened overnight... maybe. Leap day might have screwed up the math. The two inquiries were on on 2/14/2020. EX8 decided they were unscorable as of today. I assume EX2 counts days the same way as EX8, but perhaps not.
Good question we're not absolutely certain on that. We have one data point the EX2 may include closed accounts in the metric. But we are far from certain. Personally I've been doing calculations for open revolvers, calculations for open accounts, and calculations for open and closed accounts trying to find a pattern. We'll figure it out sooner or later.
as to your second question, version 2 and version 8 are different on the inquiries. They are a day off on leap year for EX2 Rev discovered that.
Remi and I form a lil pattern today. If closed accounts count, then we both got the penalty on an EX2-based score (Classic for her. BC for me.) when we went over 30%. We both got it at 31% -- 4/13 for her. 8/26 for me. And neither of us got it one account below that -- 23% for her, 27% for me. Sure seems like closed accounts count and there's a threshold at 30%.
@Curious_George2 this lend credence to the prior data point then. @Trudy Did you still have the accounts with a balance Reason code after you went under that?
Hey @Anonymous. Took me some time to figure out what this tag was about but I think it's regarding when my EX2 scores dropped due to a closed account falling off? If so here's the changes.
@Trudy I apologize I should've been more specific, I was talking about when you were doing your testing and discovered that number of accounts with the balance may include closed accounts. Apparently, we have 2 more data points that appear to indicate a 30% number of accounts with a balance threshold on EX2.
IIRC, you were the one that first brought the data points that allowed us to theorize that closed accounts may be included in the metric.
I can't remember if that's when we couldn't remember if it was the closed account or not but I will look at your screenshots.
@Anonymous wrote:
Yeah this is it this is where we discovered EX2 may have been counting closed Revolvers in the number of accounts with a balance Metric. Can you please give us your before and after numbers of accounts with a balance over total number of accounts including closed accounts?
i'm sorry I'm lazy, if you have it handy, if not I'll go re-read the thread. I don't think that was age, I think it was a number of accounts witg a balance, and it looks like they just found a threshold at 30% including closed accounts just like you.
Yep, Yep that's the scenario. I think the only thing the print screens above doesn't provide is the number of accounts reporting.
It's 5. So with closed accounts, reporting on April 6, I had 5 of 17 accounts reporting (2INS, 3REV) = 29%. When the closed rev account fell off and I didn't realize it until further investigation on April 7, I had 5/16 accounts reporting (2INS, 3REV) = 31%. Never any balances on closed accounts.
