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Trans question

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Stonemanmv
Valued Contributor
‎10-16-2013 06:00 PM
‎10-16-2013 06:00 PM

Trans question

I just pulled my transunion report and noticed a 15 point drop from 701 - 686. I don't understand there was 2 60 day lates that dropped off from the last report, UTL is the same nothing else different. I would have expected a rise

SIlver:

Message 1 of 6
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SnackTrader
Valued Contributor
‎10-16-2013 06:03 PM
‎10-16-2013 06:03 PM

Re: Trans question

The dreaded rebucketing!!!

Are there still baddies reporting, or are they all gone?

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
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Stonemanmv
Valued Contributor
‎10-16-2013 06:09 PM
‎10-16-2013 06:09 PM

Re: Trans question

There's 4 paid tax liens that are 6 years old and one paid collection for medical that will come off next year. What's rebucketing?

SIlver:

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AndySoCal
Senior Contributor
‎10-16-2013 06:26 PM
‎10-16-2013 06:26 PM

Re: Trans question

Did any of the score reasons that is hurting your score change? IE the order listed or a new one

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 07/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25
Banking: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO
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Stonemanmv
Valued Contributor
‎10-16-2013 06:30 PM
‎10-16-2013 06:30 PM

Re: Trans question

No exactly the same.

SIlver:

Message 5 of 6
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GFer
Valued Contributor
‎10-16-2013 10:44 PM
‎10-16-2013 10:44 PM

Re: Trans question

Contray to popular belief, bad tradelines count in AAoA as well as good standing accounts.


EQ 817, EX 815, TU 813 (Updated 1/5/18: TU 843

Take the myFICO Fitness Challenge
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