TU Score changes - 3 to 4 cards - All 9 scores

[Anonymous]

My American Express Blue Cash Everyday card finally showed up at TransUnion. Opened 2/13/2020, reported 04/23/2020.

No changes to the 8's, minor loss on the 9's, major loss on the 4's. TU4 from 738 to 720...ouch.

CRADIS "Fourth Card" BASE REPORT 04/10/2020	No derogatories No delinquencies 1 closed loan 3 open revolving Mastercard [$2000 CL] VISA [$11,500 CL] Discover [$4,000 CL] 0 inquiry TU PAYMENT HISTORY: EXCEPTIONAL AMOUNT OF DEBT: VERY GOOD CREDIT HISTORY LENGTH: POOR AMOUNT OF NEW CREDIT: GOOD CREDIT MIX: VERY GOOD AoOA: 2 yr 4 mo | AoORA: 1yr 4mo AAoA: 1 yr 4 mo | AAoRA: 0yr 11mo AoYA: 0 yr 2 mo | AoYRA: 0yr 2mo Mastercard Utilization: 5% [4.806] Visa Utilization: 2% [1.179] Discover Utilization: 9% [8.881] Aggregate Balance: $586 Aggregate Utilization: 4% [3.354] Accounts with Balances: 3 [100%] Total Credit Limit: $17,500
CURRENT REPORT Base Differential 04/24/2020	4 open revolving AAoA: 1 yr 1mo | AAoRA: 0yr 9mo AMEX Utilization: 4% [4.00] Aggregate Balance: $1046 Aggregate Utilization: 4% [3.610] [4%, no effective change] Accounts with Balances: 4 [100%] Total Credit Limit: $29,000
	Score reports from myFICO's FICO Premier subscription and CK/VS3.

TransUnion

8		741	04/24	Short credit history	No recent loan activity	Short Revolving Credit History	Too many accounts with balances
		741	04/10	Short credit history	No recent loan activity	Short Revolving Credit History	Too many accounts with balances

9	-3	729	04/24	Short credit history	Too many accounts with balances	No recent loan activity	Short Revolving Credit History
		732	04/10	Short credit history	No recent loan activity	Too many accounts with balances	Short Revolving Credit History

4	-18	720	04/24	Short credit history	Short Revolving Credit History	Too many accounts with balances	Amount owed rev accts too high
		738	04/10	Short credit history	Short Revolving Credit History	Amount owed rev accts too high	No recent loan activity

BC8		746	04/24	Short credit history	No recent loan activity	Too many accounts with balances	Short Revolving Credit History
		746	04/10	Short credit history	No recent loan activity	Too many accounts with balances	Short Revolving Credit History

BC9	-3	740	04/24	Short credit history	Too many accounts with balances	No recent loan activity	Short Revolving Credit History
		743	04/10	Short credit history	No recent loan activity	Too many accounts with balances	Short Revolving Credit History

AU8		733	04/24	Short credit history	No recent loan activity	Too many accounts with balances	No recent auto loan activity
		733	04/10	Short credit history	No recent loan activity	Too many accounts with balances	No recent auto loan activity

AU9	-3	736	04/24	Short credit history	Too many accounts with balances	No recent loan activity	Short Revolving Credit History
		739	04/10	Short credit history	No recent loan activity	Too many accounts with balances	Short Revolving Credit History

AU4	-17	712	04/24	Short credit history	No recent loan activity	Short Revolving Credit History	Too many accounts with balances
		729	04/10	Short credit history	Short Revolving Credit History	No recent loan activity	Amount owed rev accts too high

BC4	-19	742	04/24	Short credit history	Short Revolving Credit History	Too many accounts with balances	Amount owed rev accts too high
		761	04/10	Short credit history	Short Revolving Credit History	Amount owed rev accts too high	Few accounts in good standing

VS3	-8	731	04/24
		739	04/10

[AllZero]

Thank you for sharing. It'll be interesting to see if any score improvement on TU4 when AoYRA reach 3 and 6 months

[Anonymous]

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@AllZero wrote:
Thank you for sharing. It'll be interesting to see if any score improvement on TU4 when AoYRA reach 3 and 6 months

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This is what happened to all 28 FICO scores the last time I was at AoYA/AoYRA 3mo. TU 4 models went up +8 to +21.

I'm crossing my fingers for next month's (May) 3B report at AoYA 3mo, but I don't expect such dramatic changes this time.

[Mr_Mojo_Risin]

Still have really good scores though! Glad your card finally reported!!

[Anonymous]

I'm thinking you may have experienced scorecard reassignment from thin > thick on TU4.

Any action on EX2? Looking forward to EQ5.

[Anonymous]

It definitely lowered ages, AAOA, AAORA, AoORA, so the age codes moving makes sense. I bet the too many account with a balance is number 5, being less important on a thick card.

[Anonymous]

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@Anonymous wrote:
It definitely lowered ages, AAOA, AAORA, AoORA, so the age codes moving makes sense. I bet the too many account with a balance is number 5, being less important on a thick card.

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'Too many accounts with a balance' moved UP on the 4's and 9's. The bolded factors are the changes from the last report.

It wasn't even there on the 4's with 3 cards. 4th card shows up and all of them suddenly have that factor.

It remains to be seen if 'Few accounts in good standing' is still there on BC4. I think it might be at #5 after 'too many accounts' pushed it off.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
It definitely lowered ages, AAOA, AAORA, AoORA, so the age codes moving makes sense. I bet the too many account with a balance is number 5, being less important on a thick card.

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'Too many accounts with a balance' moved UP on the 4's and 9's. The bolded factors are the changes from the last report.

It wasn't even there on the 4's with 3 cards. 4th card shows up and all of them suddenly have that factor.

It remains to be seen if 'Few accounts in good standing' is still there on BC4. I think it might be at #5 after 'too many accounts' pushed it off.

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Wow, not enough sleep. I read it upside down, lol. OK, so it either makes an appearance or moves up on TU4 and moves up on 9. I'm not sure this feels like the scorecard reassignment you should be experiencing.

Considering you went from 100% of revolvers with a balance to 100% of revolvers with a balance and maintained Ag utiliation, this may support the theory of raw numbers as opposed to percentages being a threshold for this metric. I was honestly expecting a scorecard reassignment across the board for you to thick, but it may take the next account. Maybe the number is 6, rather than 5.

BUT, you could be experiencing reassignment on TU4. Maybe thats not a code on thin cards in TU4? Strange you would not get it at 100% of revolvers with a balance. Maybe it is percentages and the code just doesn't exist on TU4 thin cards? Gotta think more.

What about EX2? EX3? EX3 is an '04 algorithm, like TU4 and EQ5.

[Anonymous]

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@Anonymous wrote:

What about EX2? EX3? EX3 is an '04 algorithm, like TU4 and EQ5.

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The new Amex card hasn't shown up yet at EX. Just EQ and TU.

Still no alert from myFICO or the free Experian Basic. Even the free EX monitoring sent me an alert right away for each of the inquiries from AMEX/Discover.

I'm going to skip getting an EQ 1B for this. I'll just wait for the monthly 3B in May, but there will most likely be some good AoYA/AoYRA 3mo gains on that report. It's not a good month to test anything. Still going to let all cards report 4%.

[Anonymous]

Surprised that it hasn’t showed up yet on EX. That’s crazy it showed up on the other two first. You may have went through scorecard reassignment at TU and if you did, you probably did at Equifax as well. Shame, it sure would be good to see what codes changed at EQ before conflation. But I’m grateful for the data we have received!