My name is gorgon and I am a FICO score suppressor.
Hard to say it, but it's true. I can't stand the waiting game of natural score changes.
I'm fully aware of the "marathon, not a sprint" saying when it comes to increasing scores. My intentions are always to let things age. I have joined the garden several times to do just that. Something always tempts me out. I think Transunion is one of the reasons...The dang score WILL NOT MOVE.
I do AZEO and get nothing. Do all zero and get the penalty score drop. I know my scores are capable of moving so it must be the scorecard I am on. I almost made it to six months AoYA and then decided to refinance my car. I will probably get a slight score increase at the 6-month AoYA mark, but shortly after, my old auto loan will close and the new one will report 100% utilization.