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

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Valued Contributor

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


@Birdman7 wrote:
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!

I like to offset my spending with savings somewhere else. I'm skipping scallops next week because of this $15.96 TU 1B purchase. The things I do for data science...

 

When I bought the 1B this time, I was asked to upload a picture of a Government-issued ID! That caught me off guard, since I've been a myFICO subscriber for close to a year and a half and was never asked for it before. No big deal, did it, they verified it within 30 minutes, and I had my report right away.

 

I got a reply from support saying that it was because of my (new this time) TU security freeze. I froze EQ/EX as well, shortly after I got the Discover card.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

Message 11 of 30
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Super Contributor

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

I totally understand and that’s why like I said we are grateful for everything we do get, especially with your attention to detail.

That is extremely weird as typically all of mine are frozen and I don’t recall having to ever do that.
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Oct 2020 New Account Scorecard.Nov 2020, No New Account Scorecard (reassignment conflated with aging. EX9 not updated yet. Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.


RIP:
(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 12 of 30
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Valued Contributor

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


@Birdman7 wrote:
I totally understand and that’s why like I said we are grateful for everything we do get, especially with your attention to detail.

That is extremely weird as typically all of mine are frozen and I don’t recall having to ever do that.

Thank you.

 

Well, now I feel singled out. lol Yeah, that's what they said - security freeze.

 

I haven't needed it for the 2 monthly 3B's since I had all CRAs frozen. Just this one-off TU 1B.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

Message 13 of 30
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Super Contributor

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

Were you getting too much spam Cassie?
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Oct 2020 New Account Scorecard.Nov 2020, No New Account Scorecard (reassignment conflated with aging. EX9 not updated yet. Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.


RIP:
(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 14 of 30
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Valued Contributor

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


@Birdman7 wrote:
Were you getting too much spam Cassie?

From myFICO? Spam at my registered email?

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

Message 15 of 30
Senior Contributor

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


@CassieCard wrote:

@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

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.


FWIW -

 

Below is some data on TU Fico 8 over time for a thin profile with only two credit cards. No installment loans open or closed and no closed cards. File is clean with no lates. Both cards are allowed to report monthly balances naturally and then statement balances are PIF.

 

Both cards were opened in the 12/2015 - 1/2016 timeframe. The card holder was new to credit and had no Fico score previously. She did have an L2C score primarily derived from rental payment history.

 

Looking at a graph of score over time it appears there are step changes in baseline score as denoted by the red horizontal lines. Unfortunately, historical score and balance history was not readily available for card #1 which means aggregate utilization and card #1 utilization could not be determined early on. Both cards are used almost every month with card #1 being used more heavily as a general rule.

Month TU FICO8EX FICO9Card 2 UT Card 1 UTAg UT
Sep-197797840.3%22.0%9.0%
Oct-197707801.5%1.6%1.5%
Nov-197797841.3%2.2%1.6%
Dec-197797851.7%6.4%3.3%
Jan-207797850.2%19.2%6.5%
Feb-207757810.1%20.7%6.4%
Mar-207727810.7%0.5%0.7%
Apr-20781***0.0%******

DD Fico 8 score steps.jpg

 

Month TU FICO8Card 2 UT 
Jan-16**n/a*****
Feb-16**n/a*****
Mar-16**n/a**1.2%
Apr-16**n/a**24.4%
May-16**n/a**4.6%
Jun-167311.8%
Jul-167162.4%
Aug-167149.0%
Sep-167215.0%
Oct-1672317.5%
Nov-167215.1%
Dec-1672915.1%
Jan-177389.3%
Feb-1773614.6%
Mar-1773814.2%
Apr-1773811.0%
May-1773814.5%
Jun-1774018.0%
Jul-177146.4%
Aug-177513.7%
Sep-177516.0%
Oct-1775111.1%
Nov-177515.1%
Dec-1776712.3%
Jan-187523.5%
Feb-187532.3%
Mar-1875314.5%
Apr-187521.1%
May-187543.7%
Jun-187595.8%
Jul-187592.6%
Aug-187593.1%
Sep-187594.0%
Oct-187603.3%
Nov-187601.5%
Dec-187785.0%
Jan-197644.6%
Feb-197695.0%
Mar-197691.6%
Apr-197754.9%
May-197754.7%
Jun-197765.7%
Jul-197762.1%
Aug-197945.4%
Sep-197790.3%
Oct-197701.5%
Nov-197791.3%
Dec-197791.7%
Jan-207790.2%
Feb-207750.1%
Mar-207720.7%
Apr-207810.0%
Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 16 of 30
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Valued Contributor

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


@Thomas_Thumb wrote:


FWIW -

 

Below is some data on TU Fico 8 over time for a thin profile with only two credit cards. No installment loans open or closed and no closed cards. File is clean with no lates. Both cards are allowed to report monthly balances naturally and then statement balances are PIF.

 

Both cards were opened in the 12/2015 - 1/2016 timeframe. The card holder was new to credit and had no Fico score previously. She did have an L2C score primarily derived from rental payment history.

 

Looking at a graph of score over time it appears there are step changes in baseline score as denoted by the red horizontal lines.

 

DD Fico 8 score steps.jpg

This is very interesting to me, since I had 2 cards for 1yr 2mos before adding 2 more.

 

I also had a closed installment loan on file that was open for one year, and reported closed on the same report that my first 2 cards showed up.

 

Her Dec 17 score of 767, at 2yrs 0mo total credit history (2yrs revolving) is higher than I was able to achieve with 2yrs 1mo total credit history, 1yr1mo of which was revolving history. (TU 8 761, 1yr 1mo total revolving history, 0 inq, 1 of 2 cards with a balance [0,6%,agg 5%])

 

Length of revolving credit history seems much more important.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

Message 17 of 30
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Valued Member

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

Hey guys,where are you getting that colorful print out of your credit updates? it says " credit reporting agency display information system".

Thank you !

Message 18 of 30
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Valued Contributor

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


@REDBOYYY56 wrote:

Hey guys,where are you getting that colorful print out of your credit updates? it says " credit reporting agency display information system".

Thank you !


@REDBOYYY56, welcome to the forums!

 

You'll have to wait until your 'forum rank' reaches 'Member' before you can add images to your signature - when 'New' goes away. It should happen fairly quickly if you sign in regularly, make a post or two, read a bunch of stuff.

 

My signature is output from a program I wrote to track my credit profile. But you can add a really nice signature display by reading this thread.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

Message 19 of 30
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Valued Member

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

Thanks for replying CassieCard.I've been a member for almost two year, but this is my very first post.I've learn so much and continue to learn. I've always been able to find answers to all my questions and concerns on this forum.

Unlike many other forums this forum always sticks to the subject or questions that's being asked !!!! Smiley Very Happy

Message 20 of 30
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