topic Requesting data points: all spend on a charger in Understanding FICO® Scoring

Requesting data points: all spend on a charger

NRB525 — Sat, 21 Dec 2019 19:34:39 GMT

My understanding with FICO 8 is that a charge card such as AMEX Green, Gold, Platinum or Centurion is not technically included in utilization measures. Certain older models do use charge cards as a utilization factor, but older models are not my question.

It would seem to me that someone with a long-aged file, two or more Revolvers, and a charge card, along with a mortgage or installment loan, should be able to achieve 850 on FICO 8 if a few dollars are on one of the Revolvers, and ( this is the crux of my question )....

all spend is on the Chargers ( AMEX chargers, not a store charge card )

Does anyone have a profile which aligns with this; examples of scores if essentially all spend is recorded on the charger, even though the charger reports the statement balance?

Re: Requesting data points: all spend on a charger

Revelate — Sun, 22 Dec 2019 18:17:02 GMT

Maybe depends how big the buffer is to see whether any ding (like all zeros which would be FICO 8/9 if all your spend was on an Amex charge card) would knock someone off an 850 perch. AZ is pretty small generally and as such I suspect it absolutely could be 850 TBH.

For some sample numbers I did an experiment a bit ago on my not quite standard tradelines just to see if I could tease anything out. I have better score access now to Experian and could rerun the Amex as only balance against EX FICO 2 and should be able to pick up a DCU EQ FICO 5 datapoint too if curious after the new year (which I'm prettying up for my annual pull).

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/All-revolvers-zero-testing-HELOC-Amex-charge-PLOC/td-p/4913590