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@oilcan12 wrote:
@SouthJamaica wrote:Once again, life comes in and screws up my tests.
This time one of my banks screwed up and when the dust settles I probably will have made eleven (11) months, instead of the planned six (6) months, worth of car payments, this month, so that the next reporting level, instead of being 68.7%, where I wanted it to be for purposes of testing the 70% threshold, will be 59.9%.
It will still be almost as interesting. I look forward to your results.
ah, you're just trying to make me feel better
@SouthJamaica wrote:
@oilcan12 wrote:
@SouthJamaica wrote:Once again, life comes in and screws up my tests.
This time one of my banks screwed up and when the dust settles I probably will have made eleven (11) months, instead of the planned six (6) months, worth of car payments, this month, so that the next reporting level, instead of being 68.7%, where I wanted it to be for purposes of testing the 70% threshold, will be 59.9%.
It will still be almost as interesting. I look forward to your results.
ah, you're just trying to make me feel better
I was able to get the bank snafu reversed.
So I will be testing the 70% threshold after all, as my installment utilization will have dropped from
79.1% to 68.8%.
I guess when I get the reports, I'll start a new thread "70% installment utilization: threshold or not?"
@SouthJamaica wrote:
@SouthJamaica wrote:
@oilcan12 wrote:
@SouthJamaica wrote:Once again, life comes in and screws up my tests.
This time one of my banks screwed up and when the dust settles I probably will have made eleven (11) months, instead of the planned six (6) months, worth of car payments, this month, so that the next reporting level, instead of being 68.7%, where I wanted it to be for purposes of testing the 70% threshold, will be 59.9%.
It will still be almost as interesting. I look forward to your results.
ah, you're just trying to make me feel better
I was able to get the bank snafu reversed.
So I will be testing the 70% threshold after all, as my installment utilization will have dropped from
79.1% to 68.8%.
I guess when I get the reports, I'll start a new thread "70% installment utilization: threshold or not?"
I'm glad you got it straightened out. I'm looking forward to your results. When can we expect to hear something?
@oilcan12 wrote:
@SouthJamaica wrote:
@SouthJamaica wrote:
@oilcan12 wrote:
@SouthJamaica wrote:Once again, life comes in and screws up my tests.
This time one of my banks screwed up and when the dust settles I probably will have made eleven (11) months, instead of the planned six (6) months, worth of car payments, this month, so that the next reporting level, instead of being 68.7%, where I wanted it to be for purposes of testing the 70% threshold, will be 59.9%.
It will still be almost as interesting. I look forward to your results.
ah, you're just trying to make me feel better
I was able to get the bank snafu reversed.
So I will be testing the 70% threshold after all, as my installment utilization will have dropped from
79.1% to 68.8%.
I guess when I get the reports, I'll start a new thread "70% installment utilization: threshold or not?"
I'm glad you got it straightened out. I'm looking forward to your results. When can we expect to hear something?
August 6th
70% Threshold ....tested.
Effect of paying down car loan, reducing overall installment loan utilization from 79.1% to 68.8%
FICO8 EQ 699 +3 TU 784 +8 EX 709 +-0
FICO9 EQ 753 +3 TU 795 +1 EX 730 -4
FICO Bankcard 8 EQ 700 -6 TU 802 +4 EX 722 +2
FICO Auto 8 EQ 706 -6 TU 792 +10 EX 709 +5
FICO Auto 5 EQ 682 -2 Auto4 TU 760 +3 Auto2 EX 664 +2
FICO Auto 9 EQ 762 +3 TU 802 +1 EX 746 -3
Mortgage FICO5 EQ 695 -2 FICO4 TU 742 -4 FICO2 EX 693 +3
To my untrained eye it looks like a meaningless hodgepodge.
For comparison purposes, here's what happened last month when I crossed the 80% threshold, going from 87.7% to 79.1%:
FICO8 EQ 705 +2 TU 776 +2 EX 707 +2
FICO9 EQ 750 +8 TU 794 -2 EX 734 +-0
FICO Bankcard 8 EQ 706 +5 TU 798 -2 EX 720 +3
FICO Auto 8 EQ 712 + 14 TU 782 -12 EX 704 +4
FICO Auto 5 EQ 684 +5 Auto4 TU 757 +6 Auto2 EX 662 +21
FICO Auto 9 EQ 759 +15 TU 801 -13 EX 749 +14
Mortgage FICO5 EQ 697 +-0 FICO4 TU 746 +-0 FICO2 EX 690 +-0
@SouthJamaica wrote:
To my untrained eye it looks like a meaningless hodgepodge.
OMG! Those were my exact words!
@SouthJamaica wrote:
70% Threshold ....tested.
Effect of paying down car loan, reducing overall installment loan utilization from 79.1% to 68.8%
FICO8 EQ 699 +3 TU 784 +8 EX 709 +-0
FICO9 EQ 753 +3 TU 795 +1 EX 730 -4
FICO Bankcard 8 EQ 700 -6 TU 802 +4 EX 722 +2
FICO Auto 8 EQ 706 -6 TU 792 +10 EX 709 +5
FICO Auto 5 EQ 682 -2 Auto4 TU 760 +3 Auto2 EX 664 +2
FICO Auto 9 EQ 762 +3 TU 802 +1 EX 746 -3
Mortgage FICO5 EQ 695 -2 FICO4 TU 760 +14 FICO2 EX 693 +3
To my untrained eye it looks like a meaningless hodgepodge.
For comparison purposes, here's what happened last month when I crossed the 80% threshold, going from 87.7% to 79.1%:
FICO8 EQ 705 +2 TU 776 +2 EX 707 +2
FICO9 EQ 750 +8 TU 794 -2 EX 734 +-0
FICO Bankcard 8 EQ 706 +5 TU 798 -2 EX 720 +3
FICO Auto 8 EQ 712 + 14 TU 782 -12 EX 704 +4
FICO Auto 5 EQ 684 +5 Auto4 TU 757 +6 Auto2 EX 662 +21
FICO Auto 9 EQ 759 +15 TU 801 -13 EX 749 +14
Mortgage FICO5 EQ 697 +-0 FICO4 TU 746 +-0 FICO2 EX 690 +-0
Any idea why your TU 04 gained 14 points?
Is the same data currently being reported to each bureau?
0 point gain on Experian.
@oilcan12 wrote:
@SouthJamaica wrote:
70% Threshold ....tested.
Effect of paying down car loan, reducing overall installment loan utilization from 79.1% to 68.8%
FICO8 EQ 699 +3 TU 784 +8 EX 709 +-0
FICO9 EQ 753 +3 TU 795 +1 EX 730 -4
FICO Bankcard 8 EQ 700 -6 TU 802 +4 EX 722 +2
FICO Auto 8 EQ 706 -6 TU 792 +10 EX 709 +5
FICO Auto 5 EQ 682 -2 Auto4 TU 760 +3 Auto2 EX 664 +2
FICO Auto 9 EQ 762 +3 TU 802 +1 EX 746 -3
Mortgage FICO5 EQ 695 -2 FICO4 TU 742 -4 FICO2 EX 693 +3
To my untrained eye it looks like a meaningless hodgepodge.
For comparison purposes, here's what happened last month when I crossed the 80% threshold, going from 87.7% to 79.1%:
FICO8 EQ 705 +2 TU 776 +2 EX 707 +2
FICO9 EQ 750 +8 TU 794 -2 EX 734 +-0
FICO Bankcard 8 EQ 706 +5 TU 798 -2 EX 720 +3
FICO Auto 8 EQ 712 + 14 TU 782 -12 EX 704 +4
FICO Auto 5 EQ 684 +5 Auto4 TU 757 +6 Auto2 EX 662 +21
FICO Auto 9 EQ 759 +15 TU 801 -13 EX 749 +14
Mortgage FICO5 EQ 697 +-0 FICO4 TU 746 +-0 FICO2 EX 690 +-0
Any idea why your TU 04 gained 14 points?
Not a clue
Is the same data currently being reported to each bureau?
1. An old public record which aged off of TU is still showing up on EQ and EX.
2. An Amex account which morphed into a Barclays account is still showing up as open on EX, while TU & EQ consider it closed.
@oilcan12 wrote:
@SouthJamaica wrote:
70% Threshold ....tested.
Effect of paying down car loan, reducing overall installment loan utilization from 79.1% to 68.8%
FICO8 EQ 699 +3 TU 784 +8 EX 709 +-0
FICO9 EQ 753 +3 TU 795 +1 EX 730 -4
FICO Bankcard 8 EQ 700 -6 TU 802 +4 EX 722 +2
FICO Auto 8 EQ 706 -6 TU 792 +10 EX 709 +5
FICO Auto 5 EQ 682 -2 Auto4 TU 760 +3 Auto2 EX 664 +2
FICO Auto 9 EQ 762 +3 TU 802 +1 EX 746 -3
Mortgage FICO5 EQ 695 -2 FICO4 TU 742 -4 FICO2 EX 693 +3
To my untrained eye it looks like a meaningless hodgepodge.
For comparison purposes, here's what happened last month when I crossed the 80% threshold, going from 87.7% to 79.1%:
FICO8 EQ 705 +2 TU 776 +2 EX 707 +2
FICO9 EQ 750 +8 TU 794 -2 EX 734 +-0
FICO Bankcard 8 EQ 706 +5 TU 798 -2 EX 720 +3
FICO Auto 8 EQ 712 + 14 TU 782 -12 EX 704 +4
FICO Auto 5 EQ 684 +5 Auto4 TU 757 +6 Auto2 EX 662 +21
FICO Auto 9 EQ 759 +15 TU 801 -13 EX 749 +14
Mortgage FICO5 EQ 697 +-0 FICO4 TU 746 +-0 FICO2 EX 690 +-0
Any idea why your TU 04 gained 14 points?
Is the same data currently being reported to each bureau?
Just realized I made a mistake on TU FICO 4, it's -4, not +14. Sorry about that.