How is aggregate utilization actually calculated?

[Anonymous]

@Anonymous No, EX2 responds better typically to number of accounts going down!

[Anonymous]

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@Anonymous wrote:

@Anonymous  Just a quick update. I got bored and pulled my TU report. The only alert I got from MF for that AU account reporting $0 was TU (so far) My TU4 score went up +14 points from 631 to 645. So this is my new middle score for now. I know EX doesn’t respond well, so I’m hoping TU jumps again when the big paydown hits in addition to the paid CO. 

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@Anonymous Congratulations! That's awesome though!!! Looking forward to EX2 award, I would expect! Maybe EQ5 too? 😊

[Anonymous]

@Anonymous  I have low expectations from EX2. When I went from ALL CC accounts (6) reporting a balance and 72% aggregate UT to 2 accounts with balances and 48% aggregate UT, my EX2 gained a mere 4 points. EQ5 is my high score, so while I’m sure it’ll go up, it doesn’t help me much since my rate is based on the middle. TU4 is now my middle. 

[Anonymous]

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@Anonymous wrote:

@Anonymous  I have low expectations from EX2. When I went from ALL CC accounts (6) reporting a balance and 72% aggregate UT to 2 accounts with balances and 48% aggregate UT, my EX2 gained a mere 4 points. EQ5 is my high score, so while I’m sure it’ll go up, it doesn’t help me much since my rate is based on the middle. TU4 is now my middle. 

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@Anonymous Which scorecard are you in?

[Anonymous]

@Anonymous  I’m in a dirty card, 2 CO’s both from 2015/2016, a few 30s, 60s and 90s. Last late payment was almost 4 years ago. No PR. 

[Anonymous]

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@Anonymous wrote:

@Anonymous  I’m in a dirty card, 2 CO’s both from 2015/2016, a few 30s, 60s and 90s. Last late payment was almost 4 years ago. No PR. 

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@Anonymous i'll have to pay attention to that and see if it's muted in other profiles in that scorecard as well. But when was your most recent late of 60 days or more? that will determine your scorecard there.

You may not be in a dirty Scorecard unless you have a 60 day late less than two years old!

[Anonymous]

@Anonymous  My last 60 day on an open account was in 2016. My CO that keeps updating every month, is still reporting most recently as of last month. So I think that is what’s keeping me in the dirty card. 

[Anonymous]

Yes I believe you’re correct.

[Anonymous]

@Anonymous So I’m probably not going to get a good DP for this month. SiriusXM auto-renewed my subscription and it hit my card which had a zero balance on night before the statement cut. So I lost the benefits of that $0 reporting. I did another big paydown on my only card that carries a balance, going from 88% UT to 68% UT, MF shows my TU8 going up +4 and my EX8 + 9. 

I did find something interesting though. TU is counting my CO that reports every month towards my aggregate UT but my other “sleeping” CO they aren’t counting. 

Still hoping to see some movement from the other scores once they update my aggregate UT to 28% down from 37%. 

[Anonymous]

@Anonymous  I stand corrected. What crazy timing. I pulled a 1B from Experian yesterday which reflected my  Citi card going from $0 to $123 but did not reflect my CapOne going from 88% UT to 68% UT. My EX8 668 was and my EX2 was 642.

I just got my montly 3B from MF. Today my CapOne UT change hit my reports. My EX8 stayed at 668 but my EX2 is at 651. So I gained + 9 points on my EX2 just for crossing a single UT threshold on my CapOne. No other changes were in the report. 

This info proves that even on a dirty card, individual UT is worth something, sometimes. Now it’s got me wondering how many points I lost for that Citi card not reporting $0. 

Now this puts me 9 points away from the next “tier” of interest rates at 660. I’m hoping that I can have my LO do a rapid rescore on Friday. That CO that’s reporting still shows up past due and maxed, even though it’s paid. Citi is back down to $0 as of tomorrow and my aggregate UT will cross the 29% threshold once all that updates.