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

Anonymous
Not applicable

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

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

Message 1 of 30
29 REPLIES 29
AllZero
Mega Contributor

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

Thank you for sharing. It'll be interesting to see if any score improvement on TU4 when AoYRA reach 3 and 6 months
Message 2 of 30
Anonymous
Not applicable

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


@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.

Message 3 of 30
Mr_Mojo_Risin
Senior Contributor

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

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

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AODFCU Visa Signature 5K CL
Citi Custom Cash 6K
NFCU Cash Rewards 8K
Discover IT 2K
Cap 1 600
NFCU auto loan
Message 4 of 30
Birdman7
Super Contributor

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

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

Any action on EX2? Looking forward to EQ5.
Message 5 of 30
Birdman7
Super Contributor

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

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.
Message 6 of 30
Anonymous
Not applicable

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


@Birdman7 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.

'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.

Message 7 of 30
Birdman7
Super Contributor

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


@Anonymous wrote:

@Birdman7 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.

'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.


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.

Message 8 of 30
Anonymous
Not applicable

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


@Birdman7 wrote:

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

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%.

Message 9 of 30
Birdman7
Super Contributor

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

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!
Message 10 of 30
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