Now, you've gone from The Jeffersons to Good Times. LOL.
@Anonymous wrote:We finally got a piece of the piiiiiiiiie ...There are several factors that determine buckets, not just account age. FICO holds these real close to the vest. But we understand there are determinants like the number of collections you have, or a recent BK, etc.For example, a single bucket could be people (a) with a 10 year credit history (b) with a BK that is 8 - 9 years old (c) who opened 3 - 5 new accounts in the past 12 months and (d) who have 7 -9 inqs.I'm just guessing at the specifics here, but the point is that there are several common characteristics for dwellers of the same bucket. We probably won't ever know more so don't stress out over it. Just keep your head above water and keep swimming! Dynomite!!
Seriously Madison, just hunker down like HTSU stated and your scores should recover over the next couple of months. By getting some crud off of EQ (consequently, being rebucketed), I went from high 400s - low 500s up to 768 in about six or seven months. Keep your nose clean and you'll be fine.
Starting Score: 469Current Score: 824
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Here's one for the obsessed. My TU score just dropped 57 points coincidental to my average age going from 9 years to 10?
@Anonymous wrote:So if anyone who has myFICO ScoreWatch (I don't know if you get that message that I quoted up above from the Equifax version) ever has a sudden score change that occurs at the same time as their age changes, please post and let us obsessed data collectors know!
