TU seems exceptionally unstable

[Thomas_Thumb]

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@FireMedic1 wrote:

Least you guys have some movement. Since Jan 1 I gained 1 stinkin point. HP aged off, 2 CC's, balances up and down always 1%. Dropped when truck was paid off, then got Alliant. Its stuck. 

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Fluctuations anyone?

[Caught750]

That's insane!!! That's what mine does to a much lesser extent! Ever figure it out?

[Thomas_Thumb]

CAPTOOL had a derog that came off his TU report early (collection or tax lien - can't recall which). His score spiked up as that was his only derog. His file went from dirty to clean. Although no longer visible on his CRA report, it appears that certain data pulls would include the derog while others did not - almost like he had a split file.

@Revelate may be better able to explain the specifics.

[Revelate]

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@Thomas_Thumb wrote:

CAPTOOL had a derog that came off his TU report early (collection or tax lien - can't recall which). His score spiked up as that was his only derog. His file went from dirty to clean. Although no longer visible on his CRA report, it appears that certain data pulls would include the derog while others did not - almost like he had a split file.

@Revelate may be better able to explain the specifics.

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It wasn't ever conclusively proven but the data explicitly was monitoring solution (the drops) vs. actual 1B/3B pulls from here which did not show the derogatory.

What was the likely culprit from this: the monitoring database was different from the one that a credit pull was done from.  It was clearly a bug in the application infrastructure, one that I believe at least one other user here suffered so it wasn't unique to Captool; however, it wasn't very common either vis a vis my own derogatories which were deleted (sometime after Captool's) never had any such issue.

[Caught750]

Very interesting. My weirdness certainly isn't that. I'm looking at small ups and downs, for the most part. The derog that came off hasn't reported here yet. It shows on fako services but MyFico hasn't shown it. At least knowing that a lenders HP wouldn't show it is good news. While we are discussing scoring, I haven't been to this area of the page much, I can think of one more question.

I had a short sale. It will be my last remaining derog. EX shows it as "account paid for less than full balance" with two 30 day lates which were required by the lender to show "hardship". Their worst delinquency shows CO. TU and EQ report it as "paid as agreed". TU worst delinquency "none reported". EX shows 30 days late. All three show the late payments in payment history for the month by month breakdown. This will be on my reports several months longer than my other derogs. How strongly is the CO on EX going to impact when the short sale is the last negative? I can't stand the discrepancies between CRAs and how they handle the same account. Frankly, it's pretty astounding. I'd imagine it'll be much worse than the minor derog of 30 day lates from the other CRAs?

[Revelate]

Check your base files when everything is done updating: ultimately that is the source of truth.

Paid as agreed simply means you got righteous (paid it to $0) on the account somehow and there are occasionally some errors when it comes to interpretation of the file though usually the tradeline in terms of payment record is the same.

I don't know that I've ever seen the effects of a paid Charge Off on a score before, generally we get open charge offs which are absolute score killers (closed account, balance not zero, and updating monthly as "recent") and typically those were full monty through 120D/150D lates before the lender in question took that action.  

A short sale though generally has a specific reporting notation I thought, I'd Google that explicitly or someone else might know it.