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Rainmaker
5,096,166
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

If you can figure out how credit scoring works, please let me know. I don't even begin to try to understand.

Feb 19, 2016 10:48 PM
Rainmaker
908,498
Jeff Pearl
RE/MAX Distinctive / LIC in VA - Lovettsville, VA
Full Service Full Time Realtor

It takes time to verify. Customers could have filed a dispute which takes at least 40 days most of the time. All 3 agencies work at different rates and don't all report the same thing. Deliquency is only one factor. They might have a new 30 day late, but also paid down balances on 2 or 3 other accounts.

Feb 19, 2016 10:39 PM
Rainmaker
5,772,353
Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy

Sally and David,

The whole credit scoring algorithms are a connundrum. I agree with Nina Hollander ! A

Feb 20, 2016 11:18 AM
Rainmaker
2,224,473
Debbie Laity
Cedaredge Land Company - Cedaredge, CO
Your Real Estate Resource for Delta County, CO

Maybe the reports of the late payments haven't gotten to the credit agency yet. 

Feb 20, 2016 10:52 AM
Rainmaker
7,787,954
Roy Kelley
Retired - Gaithersburg, MD

Just wait until the reports arrive.

Feb 20, 2016 09:55 AM
Rainmaker
1,498,138
Ryan Huggins - Thousand Oaks, CA
https://HugginsHomes.com - Thousand Oaks, CA
Residential Real Estate and Investment Properties

Not a clue.  I'd guess it hasn't impacted it yet or they're playing some kind of game to keep it up.

Feb 20, 2016 09:39 AM
Rainmaker
864,658
Les & Sarah Oswald
Realty One Group - Eastvale, CA
Broker, Realtor and Investor

Perhaps she has opened several accounts with low balances, hence lowering her debt ratio? 

Feb 20, 2016 09:39 AM
Rainmaker
3,988,007
Debbie Reynolds, C21 Platinum Properties
Platinum Properties- (931)771-9070 - Clarksville, TN
The Dedicated Clarksville TN Realtor-(931)320-6730

There is likely an old past due account that is continuing to report as late and as time goes on it is getting later and later and more penalty points. Research it and find which it is and get it paid. This is my best guess.

Feb 20, 2016 03:23 AM
Rainmaker
634,482
Kathleen Luiten
Resort and Second-Home Specialist - Princeville, HI
Kauai Luxury Ocean Home Sales

Increasing their total available credit (amount they can charge) on various credit card accounts. The ratio of amount owed to amount available makes a big difference in the FICO score.

Feb 20, 2016 02:49 AM
Ambassador
3,339,024
Kathleen Daniels, Probate & Trust Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate Services

It takes time to report ... and all agencies work differently. When you figure out the credit system ... can it and sell it. You can then retire!

Feb 20, 2016 12:56 AM
Rainmaker
3,986,196
William Feela
WHISPERING PINES REALTY - North Branch, MN
Realtor, Whispering Pines Realty 651-674-5999 No.

Not all changes happen quickly

Feb 20, 2016 12:50 AM
Rainmaker
5,583,167
Barbara Todaro
RE/MAX Executive Realty - Happily Retired - Franklin, MA
Previously Affiliated with The Todaro Team

it does take time to report that negative activity..... 

Feb 20, 2016 12:36 AM
Rainmaker
617,935
David Gibson CNE, 719-304-4684 ~ Colorado Springs Relocation
Colorado Real Estate Advisers LLC - Colorado Springs, CO
Relocation, Luxury & Lifestyle residential

It could be a delay in the potential negative items not yet having been reported.

Feb 20, 2016 12:16 AM
Rainmaker
1,046,323
Candice A. Donofrio
Next Wave RE Investments LLC Bullhead City AZ Commercial RE Broker - Fort Mohave, AZ
928-201-4BHC (4242) call/text

Where are the scores coming from, and how many reporting agencies?

Feb 19, 2016 10:35 PM
Rainmaker
2,759,787
TeamCHI - Complete Home Inspections, Inc.
Complete Home Inspections, Inc. - Brentwood, TN
Home Inspectons - Nashville, TN area - 615.661.029

 may be the recent that activity has not been reported to the bureau.

Feb 20, 2016 06:34 PM
Rainmaker
2,538,633
Joe Petrowsky
Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - Manchester, CT
Your Mortgage Consultant for Life

Good morning Sally. If the mortgage is not being paid, it's literally impossible for credit scores to increase, unless the mortgage is not being reported for some reason.

Feb 20, 2016 06:32 PM
Ambassador
3,159,779
Tammy Lankford,
Lane Realty Eatonton, GA Lake Sinclair, Milledgeville, 706-485-9668 - Eatonton, GA
Broker GA Lake Sinclair/Eatonton/Milledgeville

maybe they started paying down revolving credit with the mortgage money?

Feb 20, 2016 11:02 AM
Rainmaker
4,800,082
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

My guess is it's a reporting error.

Feb 20, 2016 04:10 AM
Rainmaker
1,157,785
FN LN
Toronto, ON

Credit score calculation algorithms are proprietary to the credit score companies and are dependent upon numerous factors.  There are many credit scores.  Therefore, it is not possible to answer without a lot more information.

Feb 20, 2016 12:08 AM
Rainmaker
1,712,551
Joe Pryor
The Virtual Real Estate Team - Oklahoma City, OK
REALTOR® - Oklahoma Investment Properties

I have never seen that. I see more of the opposite especially when you have inquiries for more credit.

Feb 20, 2016 12:06 AM
Rainmaker
1,513,143
Raymond E. Camp
Ontario, NY

Interesting answers that I would not thought of.

Feb 19, 2016 11:41 PM
Ambassador
5,032,261
Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude

I haven't a clue. Please educate us when you find out

Feb 19, 2016 11:26 PM
Rainer
43,981
Stephanie & John Webb
Latte Stone Realty LLC - Albuquerque, NM
Stephanie Webb Co-Owner, Latte Stone Realty, LLC

Great question. I never see a clients credit score personally. The lender gets authorization from the client to share the information if it is relevent to me.

Feb 19, 2016 10:51 PM
Rainmaker
1,231,853
Mary Yonkers
Alan Kells School of Real Estate/Howard Hanna Real Estate - Erie, PA
Erie/PA Real Estate Instructor

Dead beat, not paying on time, too many credit cards,  high balances, etc.

Feb 19, 2016 10:36 PM
Rainmaker
3,071,489
Tony and Suzanne Marriott, Associate Brokers
Serving the Greater Phoenix and Scottsdale Metropolitan Area - Scottsdale, AZ
Haven Express @ Keller Williams Arizona Realty

parked and reading - not a "credit expert"

Feb 19, 2016 10:27 PM