AFAIK AOYA is absolutely a thing in EQ FICO 5 and EX FICO 2 anyway.
Out of curiosity where is the information coming that it isn’t? We have been pretty consistent in stating no inquiries or new accounts in the year leading up to a mortgage if every single point counts?
EQ FICO 5 new accounts is #1 for me, #4 on EX FICO 2.
I don’t know if I have reason codes for just recent installment only for those two scores just I know today with last accounts open in April of this year the reason codes are there or did I misinterpret your post?
Out of curiosity where is the information coming that it isn’t? We have been pretty consistent in stating no inquiries or new accounts in the year leading up to a mortgage if every single point counts?
EQ FICO 5 new accounts is #1 for me, #4 on EX FICO 2.
I don’t know if I have reason codes for just recent installment only for those two scores just I know today with last accounts open in April of this year the reason codes are there or did I misinterpret your post?
Oh the 780 EX FICO 2 is clean (inquiries CFA new accounts and the obligatory short credit history) not 30D late: I mean I played guess the score after the 30D wandered away for no good reason other than the credit gods smiled on me for once.
The head scratcher is the TU FICO 4 with a recent 60D late at 772: that is absurd to me.
The head scratcher is the TU FICO 4 with a recent 60D late at 772: that is absurd to me.
I know I saw the reason code on EQ FICO 5 longer than 1 year. Honestly I forget when/if it disappeared.
Hello MFers! I decided to go with a monthly update for FICO2, particularly this month since so much was going on and I didn't want to keep bumping the thread for every change (I like to think I went with quality over quantity)
Starting negative codes (12/6): 1. Short History 2. Seeking Credit 3. Many New Accounts 4. Accounts w/ Balances
I've trimmed the reason codes off, but the changes with dates were:
12/6 - No change after apping - BOTH FIs pulled EX, so it got hit twice. F8 didn't like it (-4), F2 didn't care.
12/18 - My CSP reported (~840/17k or 4% for those that want raw data), so I was at AZE2 - 10 pt loss on F2 (no change F8)
12/22 - My SDFCU card reported (0 balance), so AOYA went to 0m. 9pt loss on F2 (no change F8)
12/23 - My Freedom reported (40% - 480/1200), so I'm at AZE3. F2 got big mad and dropped 21, F8 dropped 6, and reason codes changed -
1. Short History 2. Seeking Credit 3. High credit usage 4. Accounts w/ Balances
12/26 - This is muddy - I paid off my Freedom because the high utilization was bugging me, but the same time my AU Chase reported so I was still at AZE3, but I went to 0/1200 on my Chase, and ~3k/15.8k, and my AU kicked back in for my EX F8 bump. +2 on F2 (probably because I dropped my high from 40% to 20%. I think my F2 is clean, it's the F8 that's muddy re: the data).
No change to negative reason code (no surprises there, since the raw amount is higher, even if the util percentage is lower)
12/31 - Comenity reported with a balance, so I'm at AZE4. -1 on F2 (no change F8)
January should see everything else naturally reporting, and then I should be done with the higher volume of data and will settle into the long haul of seeing how things shake out. I should also get <69% on my installment loans (currently at 56 & 86 individual and 71% aggregate) in Jan, so I'm curious to see if that will impact anything. The reporting on the loan that will drop me is not entirely consistent, but I think I can isolate it. I have no plans to app for anything and hope to be able to watch any aging effects.
Let me know if anyone has any questions or if I'm missing something!
