TU and # of installment accounts with balances

[marty56]

So it would seem that TU hates any account with a balance for me.  My TU score went from 758 to 765 when my old mortgage reported that the account was PIF, so I only have the new refi mortgage, autoloan and a $48 Sams club balance being reported.  The prior time I pulled TU, the old and new account both showe3d balances.

This time, the old mortgage account was closed.  The new mortgage account doesn't show a payment yet.  AAoA is still 11 years.

As a side note, my major derog turned 4 years old and no score bump.  I didn't expect one.

LOL I am not special anymore as a HFA with a major deorg under 4 years old.  Story of my life. 

[Anonymous]

Yeah TU seems to be best when I only have a lone card reporting. I am satisfied with my TU score when I have 2 reporting though so that is where I try to keep it, and if I ever am near a mortgage app I am going down to 1 card with like a 200 dollar balance.