@Anonymous wrote:
@SouthJamaica wrote:We may know more about 9 days from now, when my overall utilization will exceed 9%. But I'm not sure it will exceed 9% enough to be in the 10% territory, as opposed to being rounded down to 9%.
Yeah, that's what I was referring to... the aggregate utilization crossing of that first threshold (be it 9%, 10%, whatever). Curious what you think your score drops may look like if/when that happens?
I'm not expecting a big score drop if and when it gets to a rounded 10%. I think 9% was the spot. But I'm in uncharted territory here 
I never before had daily realtime access to 4 different FICO scores, all based on the same data. And I have very little experience with overall utilization greater than 5%.
@Anonymous wrote:With aggregate utilization being King to individual card utilization, if you're seeing small score movements based on individual cards, I would anticipate you seeing more if an aggregate utilization threshold was crossed. I've never crossed one personally, so I can't speak from personal experience.
Well I'll be keeping an eye on it closely. And reporting back. I too have little prior experience with the overall utilization thresholds. And have never, until recently, had daily realtime access to 4 FICO scores.
@SouthJamaica wrote:
@Anonymous wrote:
@SouthJamaica wrote:We may know more about 9 days from now, when my overall utilization will exceed 9%. But I'm not sure it will exceed 9% enough to be in the 10% territory, as opposed to being rounded down to 9%.
Yeah, that's what I was referring to... the aggregate utilization crossing of that first threshold (be it 9%, 10%, whatever). Curious what you think your score drops may look like if/when that happens?
I'm not expecting a big score drop if and when it gets to a rounded 10%. I think 9% was the spot. But I'm in uncharted territory here
How long did you say you have been getting these scores?
And it would be helpful if you shared the exact dollars of balances vs your specific and aggregate limits. The terms “rounded 9” and “rounded 10” leave a lot to the imagination.
@Anonymous wrote:I don't see anything imaginative when it comes to rounding; Rounding is a pretty simple concept. There's no need for SJ to list the balance and limit dollars for you to divide out and see the percentage, as he already did that on the previous page (giving the unrounded percentage) but as with many threads you've chosen to ignore what's already been covered and essentially ask the same question again.
I also find it troublesome that you tend to ask the same questions multiple times yourself, but fail to answer questions asked of you even once.
TT’s first comment on rounding puts 8.9% as rounding to 8%. 9% starts 9%.
SJ, on the other hand, interprets anything 8.6 to 9.5 as “9% rounded”, and 9.6% to 10.5% would be “10% rounded. That’s quite a wide range for interpretation.
With significant differences in interpretation, specifics is always clearer.
I repeat basic data questions for reasons such as this. Specific numbers can be recalculated and understood as a common language. If SJ doesn’t see a score change at 8.7% but does at 9.1%, that becomes a problem for the rounding presumption. But we won’t know that if the data presented is “9 rounded, score changed one time, but not the next time. I don’t understand ”.
I tend to repeat fundamental questions that have a real bearing on understanding the real situation a poster is bringing to the thread. More often than not, this leads to better insight to get to the most likely answer for the question. Y
The rounding off of 8.8% to 9% or 9.2% to 9% isn't a calculation of mine; I'm getting it directly from Experian. It's just an observation.
And in this early phase of testing, it appears that the rounded percentage, rather than the actual percentage, is what triggers score changes.
@HeavenOhio wrote:SJ, keep in mind that Experian isn't FICO. It'd be easy for Experian to get utilization "wrong," just like several other services do.
Agreed. In fact I can assure you that it is wrong.
But what I am gauging is the FICO 8-FICO 2-FICO Auto 8-FICO Bankcard 8 score changes (a) calculated by EX (b) based on the data EX has.
No more and no less.