A z e o error

[Junejer]

My poor starting point was long ago...not sure of the exact date, maybe 12+ years. My CL are a function of both my income and my scores. I did a lot of "science" on my profile to see what would happen at AZEO, AZE2 and AZE3. After months of trial and error, I discovered that AZEO - AZE3 was a nothing burger on EX and AZEO and AZE2 were nothing burgers on the other two. I'll caution that this is true for my profile. AAoA is about 8 years and AoOA is 16 years. All my individual utilization percentages are below 9% at reporting date. I don't worry that much about my Chase balances reporting <9%, because they will report any time the balance hits $0.

[Tiersha]

Nothing burger?

[Horseshoez]

---

@Tiersha wrote:

Nothing burger?

---

Nothing Burger = No (appreciable) change

[Tiersha]

Got it!  And yep right there with you. Azeo hasn't done much to increase anything and I think it actually slows down my mtg score...jury is still out on that.  

[Junejer]

---

@Tiersha wrote:

Got it!  And yep right there with you. Azeo hasn't done much to increase anything and I think it actually slows down my mtg score...jury is still out on that.  

---

The "mortgage scores" are notorious for being extremely sensitive to number of accounts with balances, so AZEO is very important to maximizing scores there. I learned about AZEO when I first joined these boards, when FICO was pregnant with F8. The sentiment has continued into F8/F9 without a lot of merit behind it.

That said, I don't think AZEO will slow down your mortgage score progress. I'd be interested in seeing the results of your scientific experiments.

Edit: My mortgage scores are nowhere near max (TU4--792/839, EQ5--805/818, EX2--815/844). They are super skittish and always lag quite a bit behind my F8/F9. I suspect it's due to my AAoA not being to its liking.

[Tiersha]

My AAoA  7 yrs 7 months.

My insight indicators are 

Pymt history-very good missed payment x3 almost 5 yrs ago

length of credit history -good

credit mix-exceptional

Amount of debt-exceptional

amount of credit-fair because I haven't applied for anything new in 7 months it says.

Azeo for many months moved my mortgage score twice in the last yr, the last time being Oct 22.  It hasn't changed since.

Uti is 9% total with azeo

Azeo doesn't seem to help my mtg scores and doesn't do much to my f8 scores.

[JoeRockhead]

---

@Tiersha wrote:

My AAoA  7 yrs 7 months.

My insight indicators are 

Pymt history-very good missed payment x3 almost 5 yrs ago

length of credit history -good

credit mix-exceptional

Amount of debt-exceptional

amount of credit-fair because I haven't applied for anything new in 7 months it says.

Azeo for many months moved my mortgage score twice in the last yr, the last time being Oct 22.  It hasn't changed since.

Uti is 9% total with azeo

Azeo doesn't seem to help my mtg scores and doesn't do much to my f8 scores.

---

Something occurred to me... if I'm not mistaken, aren't you using a card for AZE0 that has a high CL @Tiersha? If it's over 30k, it's being excluded and might explain why you're not getting the maximum benefit of AZE0. 

[Tiersha]

Nope.  The card I'm using is a $4250 limit card.  The highest CL I have is 7k of which is a zero balance on it in months.

[CreditCuriosity]

---

@JoeRockhead wrote:

---

@Tiersha wrote:

My AAoA  7 yrs 7 months.

My insight indicators are 

Pymt history-very good missed payment x3 almost 5 yrs ago

length of credit history -good

credit mix-exceptional

Amount of debt-exceptional

amount of credit-fair because I haven't applied for anything new in 7 months it says.

Azeo for many months moved my mortgage score twice in the last yr, the last time being Oct 22.  It hasn't changed since.

Uti is 9% total with azeo

Azeo doesn't seem to help my mtg scores and doesn't do much to my f8 scores.

---

Something occurred to me... if I'm not mistaken, aren't you using a card for AZE0 that has a high CL @Tiersha? If it's over 30k, it's being excluded and might explain why you're not getting the maximum benefit of AZE0. 

---

Thought that score model was 50k not 30k?  Depends on models as well I believe

[Junejer]

---

@Tiersha wrote:

My AAoA  7 yrs 7 months.

My insight indicators are 

Pymt history-very good missed payment x3 almost 5 yrs ago

length of credit history -good

credit mix-exceptional

Amount of debt-exceptional

amount of credit-fair because I haven't applied for anything new in 7 months it says.

Azeo for many months moved my mortgage score twice in the last yr, the last time being Oct 22.  It hasn't changed since.

Uti is 9% total with azeo

Azeo doesn't seem to help my mtg scores and doesn't do much to my f8 scores.

---

AZEO helps to maximize your mortgage scores. No one promises that AZEO should cause your scores some dramatic increase. What I'd be interested in seeing is the science on how AZEO made your mortgage scores go down, all other things being equal.