I was told that brokers are just starting to see lower scores from EX and that they all have AU on their CR. Some are little drops and many are big hits. Brokers also said that they do not see it with everyone.
This is just starting. I don't know how EX is doing it because I have no idea if it comes into play all at once or over a period of time.
I think it's true, because about a month ago (before my app spree and no changes in the midst) I took a 12 point decrease. I had been an au on one of my daughters accounts. I had her remove me because she kept her utility too high, but because of slow reporting it was still on there.