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Unexpected 50 pt increase with Trans Union

Flex1
Regular Contributor

Re: Unexpected 50 pt increase with Trans Union


@Trudy wrote:

Last week I was going to post a whiny topic “Trans Union Hates Me”, due to a 1 point loss for some unknown reason while the other CRA were going up. Decided not to post. TU has always been my lowest……until today!

Received an alert TU score changed. 790 to 840.  The only 2 things possible (I guess I'll find out when I received my quarterly 3B report later this week) is that they provided an EE for my lone baddie (30D from Dec 12 on closed acct). I didn’t request it. OR; 1 of the 3 inquiries reaching 1 year on 1/5/19.  Neither of which I'd expect to yield such an increase.  Am I wrong?

 

My assumption is its an EE due to the score factor change below. 

 

Util stays under 5%, individual and aggregate. No other aging items I’m aware of that could impact me with AAoA at 11y5m, AoYA at 5m and AoOA at 22y10m. My AAoA may actually drop a few months if an EE was given and the account fell off.

 

01 03 19.png01 06 19.png


What a nice suprise! Smiley Surprised

Message 11 of 14
Revelate
Moderator Emeritus

Re: Unexpected 50 pt increase with Trans Union

I think there were some assumptions made on ABCD's data, not that they were all explicit datapoints of additional / removal?

 




        
Message 12 of 14
Trudy
Valued Contributor

Re: Unexpected 50 pt increase with Trans Union

Thanks for you input Thomas_Thumb.  I've come to value yours and many others input including those that replied to this post.  It sounds like you agree that 50 points for a lone 30D so old is an outlier.  Although I understand there are different scorescards for individuals, this still caught me off guard, but I'll defitnely take it.  Again,  I may be able to better isolate it tomorrow when I get my 3B report from MyFico, although Revelate makes a good point regarding Score Factors. I guess I need more verification since it falls in the 'outlier' category.  I'm trying to learn as much as I can although it's likely none can determine the 'absolute' algorithm with so many scorecards and the protection of the algorithm. 

 

I appeciate all responses as I want to learn and undersand.   Thank you ALL!

FICO - 8: 09/09/21 AU 8 BC 8
FICO - 9: 09/09/21 AU 9 BC 9
F5,F4,F2 09/09/21 AU... BC...
Vantage 09/09/21
As of 09/01/21:
AoOA - 25Y6M | AoYA – 0Y10M | AAoA – 12Y4M
Open: 11 CC: (1 reporting 2.84% : 0.25% AGG UTL) | 1 PLOC | 1 MTG loan: 46.89% UTL
Closed: 1 MTG loan | 2 Auto loans | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 1/24 | (EX) 1/24
Message 13 of 14
Trudy
Valued Contributor

Re: Unexpected 50 pt increase with Trans Union

Well confirmed from MyFico report today.  TU removed that last late.  And correction, the inquiry that reached 1 year on 1/5 was EX only.

 

Revelate: FICO 4 is now 803.  Not sure what my TU MTG score was before but my 10/9 report shows 759 and not much changed in monthly reporting since then with the exception of this month having 5 accounts reporting balances when I usually have 4.  I know my EX MTG score took a 7 pt hit moving from 4 to 5.

 

fico.pngficomtg.png

FICO - 8: 09/09/21 AU 8 BC 8
FICO - 9: 09/09/21 AU 9 BC 9
F5,F4,F2 09/09/21 AU... BC...
Vantage 09/09/21
As of 09/01/21:
AoOA - 25Y6M | AoYA – 0Y10M | AAoA – 12Y4M
Open: 11 CC: (1 reporting 2.84% : 0.25% AGG UTL) | 1 PLOC | 1 MTG loan: 46.89% UTL
Closed: 1 MTG loan | 2 Auto loans | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 1/24 | (EX) 1/24
Message 14 of 14
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