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24 out of 28 FICO scores up anywhere from +8 to +25 points, and it sure didn't come from changing aggregate utilization from 7% to 6%.
Middle mortgage score is up +17 to 708 with no change in EX FICO 2 of 721.
This had to be from changing scorecards [Ok, maybe not. lol]. There are several posts from people on these forums that reported decent point gains at the AoYA 3 month mark, which is where I am with this report. I crossed into it with low utilization and I am sure that's why I got more than the +10 points I have read about.
CassTrack-32 v1.3 "Lucky Three" | Common data
| 03/08/19 | ||
Previous Report 02/08/2019 |
| |||
Current Report 03/08/19 What changed? |
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|
| |||
| New statement balances recorded at all 3 CRA's between 3/1 and 3/8. Score reports from myFICO 3B+, Credit Karma (TU/EQ VS3), and Credit.com (EX VS3, ENES) | 02/08 | Δ | 03/08 |
FICO 8 | EQ | 681 | +14 | 695 |
| Short credit history, No recent loan activity, Short revolving credit history | |||
FICO 8 | TU | 695 | +10 | 705 |
| Short credit history, No recent loan activity, Short revolving credit history | |||
FICO 8 | EX | 696 | +23 | 719 |
| Short credit history, Short revolving credit history, No recent loan activity | |||
FICO 9 | EQ | 706 | +8 | 714 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 9 | TU | 698 | +9 | 707 |
| Short credit history, Too many accounts with balances, Short revolving credit history, No recent loan activity | |||
FICO 9 | EX | 702 | +15 | 717 |
| Short credit history, Short revolving credit history, No recent loan activity | |||
Vantage Score 3.0 | EQ | 685 | +5 | 690 |
Vantage Score 3.0 | TU | 680 | +6 | 686 |
Vantage Score 3.0 | EX | 685 | +5 | 690 |
Experian National Equivalency Score | EX | 731 | +2 | 733 |
FICO Auto 8 | EQ | 652 | +17 | 669 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Auto 8 | TU | 682 | +11 | 693 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Auto 8 | EX | 680 | +25 | 705 |
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts in good standing | |||
FICO Auto 9 | EQ | 712 | +8 | 720 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Auto 9 | TU | 700 | +9 | 709 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Auto 9 | EX | 709 | +16 | 725 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 8 | EQ | 673 | +14 | 687 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 8 | TU | 694 | +11 | 705 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 8 | EX | 698 | +25 | 723 |
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts in good standing | |||
FICO Bankcard 9 | EQ | 715 | +8 | 723 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 9 | TU | 710 | +9 | 719 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 9 | EX | 712 | +15 | 727 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 2 | EX | 721 |
| 721 |
| Short credit history, Short revolving history, Too many accounts with balances, Recently opened too many new credit accounts | |||
FICO 3 | EX | 713 |
| 713 |
| Short credit history, Short revolving history, Too many accounts with balances, Seeking credit | |||
FICO 4 | TU | 682 | +9 | 691 |
| Short credit history, Short revolving history, Seeking credit, Recently opened new credit account | |||
FICO 5 | EQ | 691 | +17 | 708 |
| Short credit history, Short revolving history, Too many accounts with balances, Seeking credit | |||
FICO Auto 2 | EX | 698 |
| 698 |
| Short credit history, Short revolving credit history, Too many accounts with balances, No recent loan activity | |||
FICO Auto 4 | TU | 675 | +8 | 683 |
| Short credit history, Short revolving credit history, No recent loan activity, Seeking credit | |||
FICO Auto 5 | EQ | 701 | +15 | 716 |
| Short credit history, Short revolving history, Recently opened new credit account, Too many accounts with balances | |||
FICO Bankcard 2 | EX | 726 |
| 726 |
| Short credit history, Short revolving history, Too many accounts with balances, Recently opened too many new credit accounts | |||
FICO Bankcard 4 | TU | 681 | +21 | 702 |
| Short credit history, Short revolving credit history, Seeking credit, Recently opened too many new credit accounts | |||
FICO Bankcard 5 | EQ | 698 | +15 | 713 |
| Short credit history, Short installment credit history, Short revolving history, Too many accounts with balances |
I agree with @Anonymous that it was not due to a scorecard change.
I believe 6% is a breakpoint in revolving utilization.
And I believe that the aging of the profile contributed as much or more.
^ Most aging thresholds don't equate to scorecard changes. A shift in score often happens when thresholds are crossed while remaining on the same scorecard.
There are only 8 clean scorcards, four being segmented by age factors.
@SouthJamaica wrote:I agree with @Anonymous that it was not due to a scorecard change.
I believe 6% is a breakpoint in revolving utilization.
And I believe that the aging of the profile contributed as much or more.
The score changes on EQ/TU/EX FICO 8 all happened before the second statement reported on the 5th.
I had an Experian CreditWorks monthly 3B report to use, so that's how I got the updated scores for EX and TU/EQ before the 5th.
At that point, aggregate was still at 7%, since only my first card had reported a change from 7% to 6% individual utilization. The second still showed 7% as expected.
When the second statement reported and aggregate changed to 6%, I pulled the monthly myFICO 3B report and there was no change in the F8 scores or the Experian auto/mortgage/bankcard scores.
Does anyone know how they grade 'Payment History'?
I know it's only front-end software, but they obviously use something to come up with 'Good', 'Very Good', 'Exceptional'.
I just found it interesting that it suddenly changed this month from 'Very Good' to 'Exceptional', when in reality only 1 single additional payment had been reported at the time it changed - the payment made in February on my first card which closed on the 1st.
I thought that maybe I was being compared to a new group of people (scorecard change) and that's why it changed.
(Side note: There's a topic on this forum asking how soon someone can get to 'Exceptional' for 'Payment History' starting from clean credit history, but it's locked now. I can answer that question: 15 months. My profile has only been scoreable since June 2018, or 9 months ago.)
April 10, 2019 report. 6% to 5% aggregate utilization change and 1 month of aging.
I now have 6 scores below 700, with the lowest score being EQ Auto 8 at 677. That score was at 706 4 months ago with no revolving accounts and an SSL open at 8.47% utilization. It dropped 51 points to 655 on 1/18 when the SSL reported closed and 2 new revolving accounts showed up.
CassTrack v1.4 "Five Percent" | Common data
| 04/10/19 | ||
Previous Report 03/08/2019 |
| |||
Current Report 04/10/19 What changed? |
| |||
|
| |||
| New statement balances recorded at all 3 CRA's between 4/3 and 4/10. Score reports from myFICO 3B+, Credit Karma (TU/EQ VS3), and Credit.com (EX VS3, ENES) | 03/08 | Δ | 04/10 |
FICO 8 | EQ | 695 | +8 | 703 |
| Short credit history, No recent loan activity, Too many accounts with balances | |||
FICO 8 | TU | 705 |
| 705 |
| Short credit history, No recent loan activity, Short revolving credit history | |||
FICO 8 | EX | 719 |
| 719 |
| Short credit history, No recent loan activity, Short revolving credit history | |||
FICO 9 | EQ | 714 |
| 714 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 9 | TU | 707 | +3 | 710 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 9 | EX | 717 |
| 717 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
Vantage Score 3.0 | EQ | 690 | +44 | 734 |
Vantage Score 3.0 | TU | 686 | +44 | 730 |
Vantage Score 3.0 | EX | 690 | +44 | 734 |
TU AUTO CBIS | TU | 820 |
| 820 |
Experian National Equivalency Score | EX | 733 | +1 | 734 |
FICO Auto 8 | EQ | 669 | +8 | 677 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Auto 8 | TU | 693 |
| 693 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Auto 8 | EX | 705 |
| 705 |
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts in good standing | |||
FICO Auto 9 | EQ | 720 |
| 720 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Auto 9 | TU | 709 | +3 | 712 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Auto 9 | EX | 725 |
| 725 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 8 | EQ | 687 | +8 | 695 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Bankcard 8 | TU | 705 |
| 705 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Bankcard 8 | EX | 723 |
| 723 |
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts in good standing | |||
FICO Bankcard 9 | EQ | 723 |
| 723 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 9 | TU | 719 | +3 | 722 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 9 | EX | 727 |
| 727 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 2 | EX | 721 |
| 721 |
| Short credit history, Short revolving history, Too many accounts with balances, Recently opened too many new credit accounts | |||
FICO 3 | EX | 713 |
| 713 |
| Short credit history, Short revolving history, Too many accounts with balances, Seeking credit | |||
FICO 4 | TU | 691 |
| 691 |
| Short credit history, Short revolving history, Seeking credit, Recently opened new credit account | |||
FICO 5 | EQ | 708 |
| 708 |
| Short credit history, Short revolving history, Too many accounts with balances, Seeking credit | |||
FICO Auto 2 | EX | 698 |
| 698 |
| Short credit history, Short revolving credit history, Too many accounts with balances, No recent loan activity | |||
FICO Auto 4 | TU | 683 |
| 683 |
| Short credit history, Short revolving credit history, No recent loan activity, Seeking credit | |||
FICO Auto 5 | EQ | 716 |
| 716 |
| Short credit history, Short revolving history, Recently opened new credit account, Too many accounts with balances | |||
FICO Bankcard 2 | EX | 726 |
| 726 |
| Short credit history, Short revolving history, Too many accounts with balances, Recently opened too many new credit accounts | |||
FICO Bankcard 4 | TU | 702 |
| 702 |
| Short credit history, Short revolving credit history, Seeking credit, Recently opened too many new credit accounts | |||
FICO Bankcard 5 | EQ | 713 |
| 713 |
| Short credit history, Short installment credit history, Short revolving history, Too many accounts with balances |