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Talk about a delay .....

Meanmchine
Super Contributor

Talk about a delay .....

I was in the gaarden for 26 months

No HPs. No new accounts. All files had no inquiries

 

1st scoring issue - FICO 8 - TU

8/4/20 Score was 848 when alert hit for new inquiry ( bringing TU total inquiries to 1 )  Approved for CFU but the new account hasnt posted to reports yet.  No score movement

 

9/4/20 Exactly one month later, TU score drops 3 points FNAR. No changes to TU report.  Strange that is this dip was due to going from 0 to 1 inquiry, that it didnt happen a month ago

 

2nd scoring issue

Again on 8/4/20 an inquiry hit my EX file bringing my inquiry total form 0 to 1.  A 3 point FICO8 drop.  Not to be outdone, for the inquiry, FICO9 dropped 17 points.

 

Im glad Im not stressing about hitting 850 anymore

 


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 1 of 5
4 REPLIES 4
BrutalBodyShots
Super Contributor

Re: Talk about a delay .....

I wonder why the delay?

 

Are you expecting a pretty standard 15-20 point drop on your Fico 8 scores due to the AoYA reset to 0 months?

 

Congrats on not caring about the trivial score drop (from a lending perspective) from adding the new card that you obviously wanted.

Message 2 of 5
Meanmchine
Super Contributor

Re: Talk about a delay .....

Im bracing for 20+ points dropping like last time in FICO8s

Whats going to be interesting is to see FICO9s movement

When my AoYA hit 1 year, my FICO8s were all + 15 - 22 across the board

The same day, FICO9s dropped 12 - 14 points across the board

Im still trying to figure out the logic on that one

 

Maybe Ill have reverse outcomes and my FICO9 will go up Smiley Happy


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 3 of 5
ocheosa
Established Contributor

Re: Talk about a delay .....

I had similar strange reporting, although contradicting:

dropped -15 on EX9 (no revolving balances) and

dropped -12 on EQ9 (too many balances reporting =2)

 

Also find it odd my sync vantage score has not updated since July.

 

Fico 8 scores remained consistent, up or down a 1-2 pts, no big changes w/in the same timeframe.

 

 

Affinity FCU: Cash Rewards VS, PLOC. AOD FCU VS. BB&T Bright. BBVA: ClearPoints (x2), Rewards VS. Cap One: QS MC, QS Visa, SavorOne, Walmart. Discover it CB. DSNB: Bloomies Amex, Macy's Amex. NFCU: cashRewards VS, Plat MC, Plat Visa, CLOC. SECU MD VS. WF Propel Amex. Misc: Overstock, Target. Ongoing: SP CLI's.
Business: Staples Commercial LOC. (My first bus acct !!)

[3/21] Scores 8/9: 700-800s. Util: 1-2%. Inq/12: EQ 6, EX 6, TU 2. AAoA=5y, AoOA=33y9m, AoYA=3m.
TCL=$286K. 2021 GOAL: Garden til 1/2022.
Message 4 of 5
Credit4Growth
Valued Contributor

Re: Talk about a delay .....


@Meanmchine wrote:

Im bracing for 20+ points dropping like last time in FICO8s

Whats going to be interesting is to see FICO9s movement

When my AoYA hit 1 year, my FICO8s were all + 15 - 22 across the board

The same day, FICO9s dropped 12 - 14 points across the board

Im still trying to figure out the logic on that one

 

Maybe Ill have reverse outcomes and my FICO9 will go up Smiley Happy


I share in you humor... I just wished to share,  please stick to the last line in the OP of this thread, I do not wish for you to pull your hair out only for such an achievement of an 850 score (I am sure you can think of other reasons why you should do that). I do hope you reach 850, at some point... good luck!

 

Current as of April 25rd
FICO 08 EQ723, TU722, EX728 || DTI 8%
Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 3 / 1) - 0/6 - 0/12 - 4/24 ||


Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - May 22th 2021
Going for Sapphire spade - May 17th 2021

Dirty/ Thick/ Aged/ New Accounts
Message 5 of 5
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