1% vs 0.1% vs 0.001% utiliziation

[Anonymous]

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@Deuter wrote:

Well i just noticed that my Experian went up from 734 to 752!! 

However, it's not all AZEO... i got added an old account that was missing... My 2 year oldest account was still not reflected on my 734 EX score... and now it got fixed, plus i did the 1% util Azeo. 

Will see more clearly changes in both TU and EX Vantage as these in a more frequent basis... and had my oldest account reported... so in theory it will be clearly to see the AZEO. 

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That's great! So that's +18 going from All Zero to AZEO, 1 of 3 with a balance, at 1% individual and aggregate.

Do you plan on letting it report that way every month? When I moved from 2/2 to 1/2 with a balance, my EQ/TU 8 scores really jumped. Maybe one day you'll see what happens when 2 of 3 report a balance.

I'm afraid to see my AZEO scores now, because I'll be addicted to them. haha

[Deuter]

Yeah i could report them this way Do you know the minimum amount so it reports 1% in $65,000?  Like i want to know if making a small charge of $20-30 also reports 1% because of the rounding? 

Also can you what could be my max score? Given that i am not able to add anything more to my credit mix (other than CC) and my oldest account is 2 years old. I think i read it's between 780-790 max? I just want to know a real number to focus in hehe, Thanks a bunch!

[Anonymous]

Can you list your utilization per account before/after to make your changes more clear?

[VanderSnoot]

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@Deuter wrote:

Yeah i could report them this way Do you know the minimum amount so it reports 1% in $65,000?  Like i want to know if making a small charge of $20-30 also reports 1% because of the rounding? 

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My TCL is around $200k, and I typically have $50-200 report. On my reports, utilization is not rounded up, and it shows as 0%.

[Deuter]

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@Anonymous wrote:

Can you list your utilization per account before/after to make your changes more clear?

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Before: 3 accounts with 0% util. Small balances on 2 (Hilton,Prestige) but 0% util.  734EX

After: 1 account with a small balance ($630), other's at $0. AZEO. 1% util. 752EX

As i was recommended that 1% util was better than 0%. CL are as follow;  Hilton 30K, Prestige 25K, DC 10K. Total: 65K. Oldest acct 2 years on the dot and youngest 4 months. Still, my results may not be seen clear or as accurate as between the 734 EX report and the 752 EX report i had my $10,000 Citi Double Cash line incorporated on my report (it was not showing, it never had shown .. long story), and this is my oldest account (2 years) that was not reporting that is now reporting. 

[Deuter]

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@VanderSnoot wrote:

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@Deuter wrote:

Yeah i could report them this way Do you know the minimum amount so it reports 1% in $65,000?  Like i want to know if making a small charge of $20-30 also reports 1% because of the rounding? 

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My TCL is around $200k, and I typically have $50-200 report. On my reports, utilization is not rounded up, and it shows as 0%.

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Thanks, have you noticed any score dropping because util 0%? Or have you attempted to report 1% to see if your score goes up?

[VanderSnoot]

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@Deuter wrote:

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@VanderSnoot wrote:

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My TCL is around $200k, and I typically have $50-200 report. On my reports, utilization is not rounded up, and it shows as 0%.

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Thanks, have you noticed any score dropping because util 0%? Or have you attempted to report 1% to see if your score goes up?

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There's too much noise in my reports to isolate an effect.

[Anonymous]

Has anyone tried Aoeo ... with all cards at 1% utilization except for one at greater than 1% but less than 8.9%? 

[Anonymous]

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@Anonymous wrote:

Has anyone tried Aoeo ... with all cards at 1% utilization except for one at greater than 1% but less than 8.9%? 

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If I had 3 cards at 1% with 1 card above 4%, I would lose -3pts on EX 8 for crossing the 'all cards ≤ 4%' threshold that only EX 8 models have on new credit scorecards. There's also actual dollar amounts that can change scores - if someone has a high credit limit they could see that below 9%.

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@VanderSnoot wrote:

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My TCL is around $200k, and I typically have $50-200 report. On my reports, utilization is not rounded up, and it shows as 0%.

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The reports are using standard midpoint rounding - the default for most programming languages.

If they were correct about the 0%, then everyone at AZEO ($25 on 1 card, $0 on the rest) would be seeing the 'All Zero Penalty'.

I've seen the errors all over on 8 different front-ends. No rhyme or reason to many of them. Right now Experian's front-end report shows 3 of my cards at 3%, with the AMEX at 4% ($460 of $11,500 is exactly 4.00%). 

The rest are all above 3.5, and should be rounded up to 4% even by the standard rounding. I have one at 3.991%, which is greater than x.99% and still doesn't trigger a jump above 4% for FICO scoring purposes. (<8.99 is not necessary. At or below works just fine. Tested that too.)

Just do not ever use what the reports show for % utilization to correlate score changes. Take the ceiling to match what FICO uses internally.