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July 10, 2019: The 'AZEO' update of 28 FICO scores.
22 of 28 FICO scores are up this time. Minimum gain, +2pts. Maximum gain, +27pts.
No more scores under 700 now - the lowest score is now EQ AUTO 8 at 709.
FICO 9 models reacted more strongly to AZEO, with a bunch of scores moving into the 'Very Good' 740+ range.
This is PART 1 of the table. PART 2 in a reply below. (The whole table now exceeds the 20,000 character message limit.)
CassTrack v1.7 "AZEO" | Common data
| 07/10/19 | ||
Previous Report 06/10/2019 |
| |||
Current Report 07/10/19 What changed? |
| |||
|
| |||
| New statement balances recorded at all 3 CRA's between 7/1 and 7/10. Score reports from myFICO 3B+, Credit Karma (TU/EQ VS3), and Credit.com (EX VS3, ENES) | 06/10 | Δ | 07/10 |
FICO 8 | EQ | 715 | +19 | 734 |
[Change] | Short credit history, No recent loan activity | |||
| Short credit history, No recent loan activity, Too many accounts with balances | |||
FICO 8 | TU | 724 | +14 | 738 |
[Change] | Short credit history, No recent loan activity, Short revolving credit history, Too many inquiries last 12 months (only 1 inq) | |||
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO 8 | EX | 728 |
| 728 |
| Short credit history, No recent loan activity, Short revolving credit history | |||
FICO 9 | EQ | 723 | +22 | 745 |
[Change] | Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO 9 | TU | 721 | +27 | 748 |
[Change] | Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO 9 | EX | 728 | +6 | 734 |
[Change] | Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO 5 | EQ | 721 | +5 | 726 |
| Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history | |||
FICO 4 | TU | 717 |
| 717 |
| Short credit history, Seeking credit, Short revolving credit history, Recently opened new credit account | |||
FICO 2 | EX | 733 | +6 | 739 |
| Short credit history, Too many accounts with balances, Seeking credit, Recently opened too many new credit accounts | |||
FICO Auto 8 | EQ | 690 | +19 | 709 |
[Change] | Short credit history, No recent loan activity, Short revolving credit history, Short installment credit history | |||
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Auto 8 | TU | 714 | +15 | 729 |
[Change] | Short credit history, No recent loan activity, Short revolving credit history, Seeking credit | |||
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Auto 8 | EX | 715 |
| 715 |
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time | |||
FICO Auto 9 | EQ | 729 | +23 | 752 |
[Change] | Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Auto 9 | TU | 724 | +27 | 751 |
[Change] | Short credit history, No recent loan activity, Short revolving credit history, Seeking credit | |||
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Auto 9 | EX | 736 | +6 | 742 |
[Change] | Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Bankcard 8 | EQ | 707 | +24 | 731 |
[Change] | Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Bankcard 8 | TU | 727 | +22 | 749 |
[Change] | Short credit history, No recent loan activity, Short revolving credit history, Seeking credit | |||
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Bankcard 8 | EX | 733 | +2 | 735 |
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time | |||
FICO Bankcard 9 | EQ | 732 | +23 | 755 |
[Change] | Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Bankcard 9 | TU | 732 | +27 | 759 |
[Change] | Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Bankcard 9 | EX | 738 | +6 | 744 |
[Change] | Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history |
PART 2 of the July 10, 2019 update at AZEO. ( PART 1 in a reply above. )
FICO Auto 2 | EX | 709 | +5 | 714 |
| Short credit history, Too many accounts with balances, No recent loan activity, No recent auto loan activity | |||
FICO Auto 4 | TU | 709 |
| 709 |
| Short credit history, Seeking credit, No recent loan activity, Short revolving credit history | |||
FICO Auto 5 | EQ | 729 | +5 | 734 |
[Change] | Short credit history, Recently opened new credit account, Too many accounts with balances, Seeking credit | |||
| Short credit history, Too many accounts with balances, Recently opened new credit account, Seeking credit | |||
FICO Bankcard 2 | EX | 739 | +6 | 745 |
| Short credit history, Short installment credit history, Too many accounts with balances, Recently opened too many new credit accounts | |||
FICO Bankcard 4 | TU | 728 |
| 728 |
| Short credit history, Seeking credit, Short revolving credit history, Recently opened too many new credit accounts | |||
FICO Bankcard 5 | EQ | 725 | +8 | 733 |
[Change] | Short credit history, Short installment credit history, Too few or too many revolving accounts, Too many accounts with balances | |||
| Short credit history, Short installment credit history, Too many accounts with balances, Too few or too many revolving accounts | |||
FICO 3 | EX | 725 |
| 725 |
| Short credit history, Too many accounts with balances, Short revolving credit history, Seeking credit | |||
VantageScore 3.0 | EQ | 738 | +7 | 745 |
VantageScore 3.0 | TU | 734 | +8 | 742 |
VantageScore 3.0 | EX | 738 | +7 | 745 |
TU AUTO CBIS | TU | 820 |
| 820 |
Experian National Equivalency Score | EX | 737 | +6 | 743 |
August 10, 2019: The 'AAoA 12mo' update of 28 FICO scores.
8 of 28 FICO scores are up this time. Minimum gain, +1pts. Maximum gain, +10pts. All the rest stayed the same.
It looks like there isn't much to crossing the AAoA 1 year threshold:
12 of 28 scores are now 'Very Good', with the rest at 'Good'.
CassTrack v1.8 "AAoA 12mo" | Common data
| 08/10/19 | ||
Previous Report 07/10/2019 |
| |||
Current Report 08/10/19 What changed? |
| |||
|
| |||
| New statement balances recorded at all 3 CRA's between 8/1 and 8/10. Score reports from myFICO's FICO Premier subscription, Credit Karma (TU/EQ VS3), American Express MyCredit Guide (TU VS3 score factors), and Credit.com (EX VS3, ENES). | 07/10 | Δ | 08/10 |
FICO 8 | EQ | 734 |
| 734 |
| Short credit history, No recent loan activity | |||
FICO 8 | TU | 738 | +4 | 742 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many inquiries last 12 months (only 1 inq) | |||
FICO 8 | EX | 728 |
| 728 |
| Short credit history, No recent loan activity, Short revolving credit history | |||
FICO 9 | EQ | 745 |
| 745 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 9 | TU | 748 |
| 748 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 9 | EX | 734 | +9 | 743 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 5 | EQ | 726 |
| 726 |
| Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history | |||
FICO 4 | TU | 717 |
| 717 |
| Short credit history, Seeking credit, Short revolving credit history, Recently opened new credit account | |||
FICO 2 | EX | 739 |
| 739 |
| Short credit history, Too many accounts with balances, Seeking credit, Recently opened too many new credit accounts | |||
FICO Auto 8 | EQ | 709 |
| 709 |
| Short credit history, No recent loan activity, Short revolving credit history, Short installment credit history | |||
FICO Auto 8 | TU | 729 | +4 | 733 |
| Short credit history, No recent loan activity, Short revolving credit history, Seeking credit | |||
FICO Auto 8 | EX | 715 |
| 715 |
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time | |||
FICO Auto 9 | EQ | 752 |
| 752 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Auto 9 | TU | 751 |
| 751 |
| Short credit history, No recent loan activity, Short revolving credit history, Seeking credit | |||
FICO Auto 9 | EX | 742 | +10 | 752 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 8 | EQ | 731 |
| 731 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 8 | TU | 749 | +5 | 754 |
| Short credit history, No recent loan activity, Short revolving credit history, Seeking credit | |||
FICO Bankcard 8 | EX | 735 |
| 735 |
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time | |||
FICO Bankcard 9 | EQ | 755 |
| 755 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 9 | TU | 759 |
| 759 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 9 | EX | 744 | +8 | 752 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Auto 5 | EQ | 734 |
| 734 |
| Short credit history, Recently opened new credit account, Too many accounts with balances, Seeking credit | |||
FICO Auto 4 | TU | 709 |
| 709 |
| Short credit history, Seeking credit, No recent loan activity, Short revolving credit history | |||
FICO Auto 2 | EX | 714 | +1 | 715 |
| Short credit history, Too many accounts with balances, No recent loan activity, No recent auto loan activity | |||
FICO Bankcard 5 | EQ | 733 |
| 733 |
| Short credit history, Short installment credit history, Too few or too many revolving accounts, Too many accounts with balances | |||
FICO Bankcard 4 | TU | 728 |
| 728 |
| Short credit history, Seeking credit, Short revolving credit history, Recently opened too many new credit accounts | |||
FICO Bankcard 2 | EX | 745 |
| 745 |
| Short credit history, Short installment credit history, Too many accounts with balances, Recently opened too many new credit accounts | |||
FICO 3 | EX | 725 | +4 | 729 |
| Short credit history, Too many accounts with balances, Short revolving credit history, Seeking credit | |||
VantageScore 3.0 | EQ | 745 | +1 | 746 |
VantageScore 3.0 | TU | 742 |
| 742 |
| The date that you opened your oldest account is too recent, Lack of sufficient credit history, Lack of sufficient relevant real estate account information, You have too many accounts that were opened recently | |||
VantageScore 3.0 | EX | 745 | +1 | 746 |
TU AUTO CBIS | TU | 820 |
| 820 |
Experian National Equivalency Score | EX | 743 | +1 | 744 |
September 10, 2019. AoYA 9 months.
CRADIS "AoYA 9mo" 1 CAROM 9 | Common data
| 09/10/19 | ||
Previous Report 08/10/2019 |
| |||
Current Report 09/10/19 What changed? |
| |||
|
| |||
| New statement balances recorded at all 3 CRA's between 9/1 and 9/10. Score reports from myFICO's FICO Premier subscription, Credit Karma (TU/EQ VS3), American Express MyCredit Guide (TU VS3 score factors), and Credit.com (EX VS3, ENES). | 08/10 | Δ | 09/10 |
FICO 8 | EQ | 734 | +3 | 737 |
| Short credit history, No recent loan activity | |||
FICO 8 | TU | 742 |
| 742 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many inquiries last 12 months (only 1 inq) | |||
FICO 8 | EX | 728 | +1 | 729 |
| Short credit history, No recent loan activity, Short revolving credit history | |||
FICO 9 | EQ | 745 | +1 | 746 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 9 | TU | 748 |
| 748 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 9 | EX | 743 |
| 743 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 5 | EQ | 726 |
| 726 |
| Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history | |||
FICO 4 | TU | 717 | +5 | 722 |
| Short credit history, Seeking credit, Short revolving credit history, Recently opened new credit account | |||
FICO 2 | EX | 739 |
| 739 |
| Short credit history, Too many accounts with balances, Seeking credit, Recently opened too many new credit accounts | |||
FICO Auto 8 | EQ | 709 | +3 | 712 |
[Change] | Short credit history, No recent loan activity, Short installment credit history, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Short installment credit history | |||
FICO Auto 8 | TU | 733 |
| 733 |
| Short credit history, No recent loan activity, Short revolving credit history, Seeking credit | |||
FICO Auto 8 | EX | 715 | +1 | 716 |
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time | |||
FICO Auto 9 | EQ | 752 | +2 | 754 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Auto 9 | TU | 751 |
| 751 |
| Short credit history, No recent loan activity, Short revolving credit history, Seeking credit | |||
FICO Auto 9 | EX | 752 |
| 752 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 8 | EQ | 731 | +3 | 734 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 8 | TU | 754 |
| 754 |
| Short credit history, No recent loan activity, Short revolving credit history, Seeking credit | |||
FICO Bankcard 8 | EX | 735 | +1 | 736 |
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time | |||
FICO Bankcard 9 | EQ | 755 | +1 | 756 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 9 | TU | 759 |
| 759 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 9 | EX | 752 |
| 752 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Auto 5 | EQ | 734 |
| 734 |
[Change] | Short credit history, Too many accounts with balances, Recently opened new credit account, Seeking credit | |||
| Short credit history, Recently opened new credit account, Too many accounts with balances, Seeking credit | |||
FICO Auto 4 | TU | 709 | +4 | 713 |
| Short credit history, Seeking credit, No recent loan activity, Short revolving credit history | |||
FICO Auto 2 | EX | 715 |
| 715 |
| Short credit history, Too many accounts with balances, No recent loan activity, No recent auto loan activity | |||
FICO Bankcard 5 | EQ [1% to 2% aggregate utilization is the most likely cause] | 733 | -3 | 730 |
| Short credit history, Short installment credit history, Too few or too many revolving accounts, Too many accounts with balances | |||
FICO Bankcard 4 | TU | 728 | +4 | 732 |
[Change] | Short credit history, Seeking credit, Recently opened too many new credit accounts, Short revolving credit history | |||
| Short credit history, Seeking credit, Short revolving credit history, Recently opened too many new credit accounts | |||
FICO Bankcard 2 | EX [1% to 2% aggregate utilization is the most likely cause] | 745 | -4 | 741 |
| Short credit history, Short installment credit history, Too many accounts with balances, Recently opened too many new credit accounts | |||
FICO 3 | EX | 729 | +3 | 732 |
[Change] | Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history | |||
| Short credit history, Too many accounts with balances, Short revolving credit history, Seeking credit | |||
VantageScore 3.0 | EQ | 746 |
| 746 |
VantageScore 3.0 | TU | 742 | +1 | 743 |
| The date that you opened your oldest account is too recent, Lack of sufficient credit history, Lack of sufficient relevant real estate account information, You have too many accounts that were opened recently | |||
VantageScore 3.0 | EX | 746 |
| 746 |
TU AUTO CBIS | TU | 820 |
| 820 |
Experian National Equivalency Score | EX | 744 | +1 | 745 |
October 10, 2019. AoYA 10 months.
CRADIS "AoYA 10mo" 1 CAROM 10 | Common data
| 10/10/19 | ||
Previous Report 09/10/2019 |
| |||
Current Report 10/10/19 What changed? |
| |||
|
| |||
| New statement balances recorded at all 3 CRA's between 10/1 and 10/10. Score reports from myFICO's FICO Premier subscription, Credit Karma (TU/EQ VS3), American Express MyCredit Guide (TU VS3 score factors), and Credit.com (EX VS3, ENES). | 09/10 | Δ | 10/10 |
FICO 8 | EQ | 737 |
| 737 |
| Short credit history, No recent loan activity | |||
FICO 8 | TU | 742 |
| 742 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many inquiries last 12 months (only 1 inq) | |||
FICO 8 | EX | 729 |
| 729 |
| Short credit history, No recent loan activity, Short revolving credit history | |||
FICO 9 | EQ | 746 |
| 746 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 9 | TU | 748 |
| 748 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 9 | EX | 743 | +1 | 744 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 5 | EQ | 726 | +2 | 728 |
| Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history | |||
FICO 4 | TU | 722 |
| 722 |
| Short credit history, Seeking credit, Short revolving credit history, Recently opened new credit account | |||
FICO 2 | EX | 739 |
| 739 |
| Short credit history, Too many accounts with balances, Seeking credit, Recently opened too many new credit accounts | |||
FICO Auto 8 | EQ | 712 |
| 712 |
| Short credit history, No recent loan activity, Short installment credit history, Short revolving credit history | |||
FICO Auto 8 | TU | 733 |
| 733 |
| Short credit history, No recent loan activity, Short revolving credit history, Seeking credit | |||
FICO Auto 8 | EX | 716 |
| 716 |
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time | |||
FICO Auto 9 | EQ | 754 |
| 754 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Auto 9 | TU | 751 |
| 751 |
| Short credit history, No recent loan activity, Short revolving credit history, Seeking credit | |||
FICO Auto 9 | EX | 752 | +1 | 753 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 8 | EQ | 734 |
| 734 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 8 | TU | 754 |
| 754 |
| Short credit history, No recent loan activity, Short revolving credit history, Seeking credit | |||
FICO Bankcard 8 | EX | 736 |
| 736 |
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time | |||
FICO Bankcard 9 | EQ | 756 |
| 756 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 9 | TU | 759 |
| 759 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 9 | EX | 752 | +1 | 753 |
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Auto 5 | EQ | 734 | +2 | 736 |
| Short credit history, Too many accounts with balances, Recently opened new credit account, Seeking credit | |||
FICO Auto 4 | TU | 713 |
| 713 |
| Short credit history, Seeking credit, No recent loan activity, Short revolving credit history | |||
FICO Auto 2 | EX | 715 |
| 715 |
| Short credit history, Too many accounts with balances, No recent loan activity, No recent auto loan activity | |||
FICO Bankcard 5 | EQ | 730 | +2 | 732 |
| Short credit history, Short installment credit history, Too few or too many revolving accounts, Too many accounts with balances | |||
FICO Bankcard 4 | TU | 732 |
| 732 |
| Short credit history, Seeking credit, Recently opened too many new credit accounts, Short revolving credit history | |||
FICO Bankcard 2 | EX | 741 |
| 741 |
| Short credit history, Short installment credit history, Too many accounts with balances, Recently opened too many new credit accounts | |||
FICO 3 | EX | 732 |
| 732 |
| Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history | |||
VantageScore 3.0 | EQ | 746 | +1 | 747 |
VantageScore 3.0 | TU | 743 |
| 743 |
| The date that you opened your oldest account is too recent, Lack of sufficient credit history, Lack of sufficient relevant real estate account information, You have too many accounts that were opened recently | |||
VantageScore 3.0 | EX | 746 | +1 | 747 |
TU AUTO CBIS | TU | 820 |
| 820 |
Experian National Equivalency Score | EX [DISCONTINUED BY CREDIT.COM] | 745 |
| N/A |
November 10, 2019: The 'AoYA 11mo / Off AZEO' update of 28 FICO scores.
All 28 FICO scores down -1 to -27 points due to both cards reporting a balance [all still under 9%].
The breakpoint is 50% of cards with a balance, not 'less than 50% of cards with a balance', at least on this scorecard. Maybe it changes after 2 years of history?
EQ/TU were affected the most. VS3 only drops 1 or 2 points.
TU AUTO CBIS went up +13pts - no idea when/what triggered that.
Next update is December 10 when Age of Youngest Account (AoYA) will be at the magical 1 year mark.
I'm expecting around +20pts followed by inquiries dropping to 0 at all 3 CRA's on December 23, which should be good for +18 to +20 points as that was how much I lost from a single inquiry last year on each CRA. INQ's affect thin/young profiles ALOT MORE than is usually talked about.
This is PART 1 of the table. PART 2 in a reply below. (The whole table now exceeds the 20,000 character message limit due to changes in score factors on so many scores.)
CRADIS "Off AZEO" 1 CAROM 11 | Common data
| 11/10/19 | ||
Previous Report 10/10/2019 |
| |||
Current Report 11/10/19 What changed? |
| |||
|
| |||
| New statement balances recorded at all 3 CRA's between 11/1 and 11/10. Score reports from myFICO's FICO Premier subscription, Credit Karma (TU/EQ VS3), American Express MyCredit Guide (TU VS3 score factors), and Credit.com (EX VS3). | 10/10 | Δ | 11/10 |
FICO 8 | EQ | 737 | -22 | 715 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances | |||
| Short credit history, No recent loan activity | |||
FICO 8 | TU | 742 | -15 | 727 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many inquiries last 12 months (only 1 inq) | |||
FICO 8 | EX | 729 | -3 | 726 |
| Short credit history, No recent loan activity, Short revolving credit history | |||
FICO 9 | EQ | 746 | -17 | 729 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 9 | TU | 748 | -24 | 724 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 9 | EX | 744 | -6 | 738 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 5 | EQ | 728 | -4 | 724 |
| Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history | |||
FICO 4 | TU | 722 | -5 | 717 |
| Short credit history, Seeking credit, Short revolving credit history, Recently opened new credit account | |||
FICO 2 | EX | 739 | -6 | 733 |
| Short credit history, Too many accounts with balances, Seeking credit, Recently opened too many new credit accounts | |||
FICO Auto 8 | EQ | 712 | -22 | 690 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short installment credit history | |||
| Short credit history, No recent loan activity, Short installment credit history, Short revolving credit history | |||
FICO Auto 8 | TU | 733 | -16 | 717 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Seeking credit | |||
FICO Auto 8 | EX | 716 | -3 | 713 |
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time | |||
FICO Auto 9 | EQ | 754 | -18 | 736 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Auto 9 | TU | 751 | -24 | 727 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Seeking credit | |||
FICO Auto 9 | EX | 753 | -7 | 746 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 8 | EQ | 734 | -27 | 707 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 8 | TU | 754 | -24 | 730 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Seeking credit | |||
FICO Bankcard 8 | EX | 736 | -6 | 730 |
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time | |||
FICO Bankcard 9 | EQ | 756 | -18 | 738 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 9 | TU | 759 | -24 | 735 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 9 | EX | 753 | -5 | 748 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances |
PART 2 of the November 10, 2019 update at AoYA 11mo. ( PART 1 in a reply above. )
FICO Auto 5 | EQ | 736 | -4 | 732 |
| Short credit history, Too many accounts with balances, Recently opened new credit account, Seeking credit | |||
FICO Auto 4 | TU | 713 | -7 | 706 |
| Short credit history, Seeking credit, No recent loan activity, Short revolving credit history | |||
FICO Auto 2 | EX | 715 | -5 | 710 |
| Short credit history, Too many accounts with balances, No recent loan activity, No recent auto loan activity | |||
FICO Bankcard 5 | EQ | 732 | -7 | 725 |
[Change] | Short credit history, Short installment credit history, Too many accounts with balances, Too few or too many revolving accounts | |||
| Short credit history, Short installment credit history, Too few or too many revolving accounts, Too many accounts with balances | |||
FICO Bankcard 4 | TU | 732 | -4 | 728 |
| Short credit history, Seeking credit, Recently opened too many new credit accounts, Short revolving credit history | |||
FICO Bankcard 2 | EX | 741 | -2 | 739 |
| Short credit history, Short installment credit history, Too many accounts with balances, Recently opened too many new credit accounts | |||
FICO 3 | EX | 732 | -1 | 731 |
| Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history | |||
VantageScore 3.0 | EQ | 747 | -2 | 745 |
VantageScore 3.0 | TU | 743 | -1 | 742 |
| The date that you opened your oldest account is too recent, Lack of sufficient credit history, Lack of sufficient relevant real estate account information, You have too many accounts that were opened recently | |||
VantageScore 3.0 | EX | 747 | -2 | 745 |
TU AUTO CBIS | TU | 820 | +13 | 833 |
December 10, 2019: The 'AoYA 1yr' update of 28 FICO scores.
A real mixed bag this time.
This is PART 1 of the table. PART 2 in a reply below. (The whole table now exceeds the 20,000 character message limit due to changes in score factors on so many scores.)
CRADIS "AoYA 1yr" 2 CAROM 0 | Common data
| 12/10/19 | ||
Previous Report 11/10/2019 |
| |||
Current Report 12/10/19 What changed? |
| |||
|
| |||
| New statement balances recorded at all 3 CRA's between 12/1 and 12/10. Score reports from myFICO's FICO Premier subscription, Credit Karma (TU/EQ VS3), American Express MyCredit Guide (TU VS3 score factors), and Credit.com (EX VS3). | 11/10 | Δ | 12/10 |
FICO 8 | EQ | 715 | +4 | 719 |
| Short credit history, No recent loan activity, Too many accounts with balances | |||
FICO 8 | TU | 727 | +4 | 731 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Too many inquiries last 12 months (only 1 inq) | |||
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO 8 | EX | 726 | +6 | 732 |
[Change] | Short credit history, No recent loan activity | |||
| Short credit history, No recent loan activity, Short revolving credit history | |||
FICO 9 | EQ | 729 | +1 | 730 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO 9 | TU | 724 | +1 | 725 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO 9 | EX | 738 | +4 | 742 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO 5 | EQ | 724 |
| 724 |
[Change] | Short credit history, High revolving balances, Short revolving history, Seeking credit | |||
| Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history | |||
FICO 4 | TU | 717 | +11 | 728 |
[Change] | Short credit history, No recent loan activity, Recently opened new credit account, High revolving balances | |||
| Short credit history, Seeking credit, Short revolving credit history, Recently opened new credit account | |||
FICO 2 | EX | 733 | -22 | 711 |
[Change] | Short credit history, Short revolving credit history, Seeking credit, High revolving balances | |||
| Short credit history, Too many accounts with balances, Seeking credit, Recently opened too many new credit accounts | |||
FICO Auto 8 | EQ | 690 | +4 | 694 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short installment credit history | |||
FICO Auto 8 | TU | 717 | +4 | 721 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Seeking credit | |||
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Auto 8 | EX | 713 | +7 | 720 |
[Change] | Short credit history, No recent loan activity, Few accounts paid on time, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time | |||
FICO Auto 9 | EQ | 736 | +1 | 737 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Auto 9 | TU | 727 | +1 | 728 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Auto 9 | EX | 746 | +5 | 751 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Bankcard 8 | EQ | 707 | +13 | 720 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Bankcard 8 | TU | 730 | +5 | 735 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Seeking credit | |||
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Bankcard 8 | EX | 730 | +7 | 737 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Few accounts paid on time | |||
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time | |||
FICO Bankcard 9 | EQ | 738 | +1 | 739 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Bankcard 9 | TU | 735 | +1 | 736 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Bankcard 9 | EX | 748 | +3 | 751 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history |
PART 2 of the December 10, 2019 update at AoYA 1yr 0mo. ( PART 1 in a reply above. )
FICO Auto 5 | EQ | 732 |
| 732 |
[Change] | Short credit history, High revolving balances, Short revolving credit history, Seeking credit | |||
| Short credit history, Too many accounts with balances, Recently opened new credit account, Seeking credit | |||
FICO Auto 4 | TU | 706 | +10 | 716 |
[Change] | Short credit history, No recent loan activity, Recently opened new credit account, High revolving balances | |||
| Short credit history, Seeking credit, No recent loan activity, Short revolving credit history | |||
FICO Auto 2 | EX | 710 | -21 | 689 |
[Change] | Short credit history, Short revolving credit history, No recent loan activity, High revolving balances | |||
| Short credit history, Too many accounts with balances, No recent loan activity, No recent auto loan activity | |||
FICO Bankcard 5 | EQ | 725 |
| 725 |
[Change] | Short credit history, Short installment credit history, High revolving balances, Short revolving credit history | |||
| Short credit history, Short installment credit history, Too many accounts with balances, Too few or too many revolving accounts | |||
FICO Bankcard 4 | TU | 728 | +29 | 757 |
[Change] | Short credit history, No recent loan activity, Recently opened new credit account, High revolving balances | |||
| Short credit history, Seeking credit, Recently opened too many new credit accounts, Short revolving credit history | |||
FICO Bankcard 2 | EX | 739 | -19 | 720 |
[Change] | Short credit history, Short revolving credit history, High revolving balances, Seeking credit | |||
| Short credit history, Short installment credit history, Too many accounts with balances, Recently opened too many new credit accounts | |||
FICO 3 | EX | 731 | +18 | 749 |
[Change] | Short credit history, Seeking credit, Short revolving credit history, High revolving balances | |||
| Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history | |||
VantageScore 3.0 | EQ | 745 | +1 | 746 |
VantageScore 3.0 | TU | 742 | +2 | 744 |
| The date that you opened your oldest account is too recent, Lack of sufficient credit history, Lack of sufficient relevant real estate account information, You have too many accounts that were opened recently | |||
VantageScore 3.0 | EX | 745 | +1 | 746 |
TU AUTO CBIS | TU [DISCONTINUED BY CREDIT KARMA] | 833 |
| N/A |