@Jnbmom wrote:Yes that high utilization is hurting you.
Also all your card reporting 0 balance will hurt too. Let one card report a small balance.
+100. The points you're losing from your util. being across 2-3 thresholds consistently is absolutely more than you would lose from an AAoA standpoint. I don't even think you'd lose anything from your account age with your own being aged 9 years with your loans being even older; if so it would be a negligible amount. I would 100% kick that card to the curb if it were me.
@Ficoproblems247 wrote:
@Jnbmom wrote:Yes that high utilization is hurting you.
Also all your card reporting 0 balance will hurt too. Let one card report a small balance.
+100. The points you're losing from your util. being across 2-3 thresholds consistently is absolutely more than you would lose from an AAoA standpoint. I don't even think you'd lose anything from your account age with your own being aged 9 years with your loans being even older; if so it would be a negligible amount. I would 100% kick that card to the curb if it were me.
Wow. I guess I didn't expect this to make that big of an impact, especially never having been late and with a high limit. For some reason, I believed that the high credit limit was a plus. 
I will be removing myself from AU today and adopting the AZEO practice. Thanks so much for your reply.
Yea 67% is pretty high usage. Dollar amount doesn't matter to FICO, though definitely upon manual review, some lenders may get spooked if it's a lot of money. Removing yourself, especially if it's not even your oldest account (and even if it was, utilization counts for far more than credit age - 30% vs 15%) will definitely help in this case. Also, yes AZEO should squeeze out some more points, especially for your mortgage scores.
Good luck, OP!
