@Anonymous wrote:
@Anonymous Ok so I have more DPs and I hit my goal! I just pulled a 1B from EX and these are the changes. The Citi card now reported $0 and CO#1 balance went from $543 to $271. Those two changes brought aggregate UT from 30% to 28%. However, CO#1 reported late again for the month of November, even though I paid it in September and they credited my account in October. Under the “understanding your score” tab, it shows total amounts past due as $271, so in the eyes of EX, CO#2 doesn’t really exist in terms of the balance.
Now for the the good news. My EX8 went +32 from 668 to 700. My EX2 went +18 from 651 to 669. I’m still curious to see if there is any added points once that past due balance reports $0 and the November late is removed. All in all, mission accomplished for now! Now I’m curious as to how high I can get on a dirty card. I’m going to pass each aggregate threshold individually on my last remaining card and track the results.
@Anonymous congratulations indeed! And nice data!
we don't know for sure that the Experian interface accurately reflects what the algorithm is doing. We do know the MF Score ingredients was created by the same analytics team that created the algorithm.
But that's very interesting and it does add weight to the argument and from the other data points that you gave me, it seems like you might be right and I will be very interested in your upcoming data.
I think you may be right on this theory: At two years sleeping, COs may be taken out of revolving utilization and only accounted for under the payment history category.
@Anonymous @Anonymous
