AZEO with only 2 cards?

[KCollins]

Hello!

I am wanting to try out AZEO method to try and raise my mortgage scores.  However, I only have two secured cards:

Discover secured $17 balance/$200 limit

Open Sky $17 Balance/$200 limit

Will AZEO work with only these two?

[Slabenstein]

You can still do it with two.  AZEO is basically just making sure you're maximizing the score benefits of low # of accounts w/ balance, low revolving utilization, and low revolving balances as much as you can w/ your current profile.  So, even if the gains aren't as much as they would be with 3-5+ cards, having 1 of 2 cards report should still be better than having 2 of 2 as long as you're not killing any util thresholds.

[Anonymous]

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@Slabenstein wrote:

You can still do it with two.  AZEO is basically just making sure you're maximizing the score benefits of low # of accounts w/ balance, low revolving utilization, and low revolving balances as much as you can w/ your current profile.  So, even if the gains aren't as much as they would be with 3-5+ cards, having 1 of 2 cards report should still be better than having 2 of 2 as long as you're not killing any util thresholds.

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@Slabenstein Very well said! (Also maximizes %\# of revolvers with a balance metric, which appears independent of # of accounts with a balance.)

[KCollins]

awesome! I wasn't sure if I needed more than two to utilize this both cards are at 8.9% right now.

[Anonymous]

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@KCollins wrote:

awesome! I wasn't sure if I needed more than two to utilize this both cards are at 8.9% right now.

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@KCollins more cards would make it more effective, but acquiring them would cause score loss; nevertheless you can use it to maximize your existing profile as much as possible.