@Anonymous wrote:Based on this information now I'm starting to think that the majority of your points came from being re-bucketed from a profile that did not use a lot of active revolving credit to a profile that is now using It, and using it well... with 50% of balances at zero and <9% util.
@Anonymous wrote:Based on this information now I'm starting to think that the majority of your points came from being re-bucketed from a profile that did not use a lot of active revolving credit to a profile that is now using It, and using it well... with 50% of balances at zero and <9% util.
There's that word again that makes me look like a deer in headlights: RE-BUCKETED! lol!
But after reading your comment, I looked at the 3B reports again - this time paying attention to the different categories that were rated.
All of them were the same except the Debt Amount. This category went from Very Good (last month) to Excellent (this month). Wierd, as both last month and this month my aggregrate util was <9%. The only "threshold" that I can see that would have been crossed on all CBs is the overall aggregrate util - crossing over to <= 5%. Last month it was 6% (EQ/EX) and 7%(TU). This month it is 4%(EQ/EX) and 5%(TU).
If this is not a threshold then rebucketing it is!
Thank you for taking the time to evaluate the data. It is very much appreciated. 
@Anonymous wrote:Someone can correct me if I'm wrong, but I believe having your oldest (or youngest) CC hit the 1 year mark doesn't matter in and of itself for rebucketing purposes, it's when the age of your youngest account hits 1 year. You stated that in December (reported in Jan) you had your secure loan open/report, which means you've had an account open recently so I don't believe you can be rebucketed (positively) by that CC reaching the 1 year mark.
It would seem to me that most of the points you gained were from having > 50% of your cards reporting balances change into < 50% of them reporting balances. As you and others have stated, it seems unlikely that your gains would be this big... but perhaps coupled with aging new accounts and inquiries it is possible. Did you have a final negative item age past a possible threshold? Perhaps a lone 30 day late payment crossed the 2 year mark (or dropped off) for example?
Hey, BBS! Thanks for chiming in. 
Those were the first things I looked for, but unless hitting the 6 year mark means something, then no - all of my lates are old enough to not have that big of an impact. I have three 30 day lates. They were for the same installment account ( a car loan) and occurred as follows: Nov 2010, Feb 2011, and Mar 2011. All three are still being reported.
The only other negative I have is a paid Tax Lien. That lien was was filed in Jan 2011 and paid in full in Jan 2013. It is not on my EX report (which is why EX score is so much higher than the other two), but it is on my EQ and TU reports. I initially thought it was deleted off of EQ and TU, but nope- still there holding my scores down like an anchor!
Inquiries counts remain the same from last month to this month.
Is 5% aggregate util a threshold? That's the only other boundary I see that I crossed.
Age of file (oldest account) and recency of new openings (youngest account) are not specific to credit cards. Various articles and presentations suggest Fico treats inquiries differently for young/thin files vs aged/thick files (like JDK93 has)
P.S. Fico has scorecards, not buckets
@Thomas_Thumb wrote:
Age of file (oldest account) and recency of new openings (youngest account) are not specific to credit cards. Various articles and presentations suggest Fico treats inquiries differently for young/thin files vs aged/thick files (like JDK93 has)
P.S. Fico has scorecards, not buckets
TT, thank you for the input (though you know my eyes wanted to automatically start to glaze when it saw anything that looked like stats! LOL!).
I don't know if my file would be consider thick or thin. I suspect it's somewhere in the middle. Before adding the new cards, my AoOA was over 21 yrs with an AAoA of almost 14 yrs. with most accounts being student loans (all PIF), one mortgage (PIF), a couple of car loans(PIF), 2 opened CC (one 6 years old and one about 9 months old. Not a lot of TLs - so I suppose that is considered thin?? but plenty of age, so not young. In regards to these graphs - in your opinion (and others who may wish to comment) where would my profile fall?