Unsurprising score change, just mentioning to compare 4 scoring models.
Overnight 1 card went from 0% to 57%, raising overall utilization from rounded 7% to rounded 9%, and number of revolving accounts with balances from 12/30 to 13/30.
Effect on 4 EX scores:
FICO 8 -6
FICO 2 -1
Bankcard 8 -6
Auto 8 -8
@Anonymous wrote:Refresh my memory, SJ, but do you have another card with a > 50% reported balance currently? This also takes you to 1 more account with a balance, but if your profile is anything like mine that's a non-factor on EX.
It looks like your aggregate utilization is straddling the 8.9% threshold; have you tested the impact of crossing that at all?
A few days ago all accounts were under 30%, but the other day, 1 account went from 20-something % to 42%. When that happened, there was no change in the EX scores. But then when this next account went from 0 to 57, boom.
Unfortunately, I won't be able to test the 6/7% thing for a while.
Yeah if today's EX utilization weren't rounded up, using EX's figures it would be 8.697%.
And no, I haven't looked at crossing the 8.9% threshold, but unfortunately I will involuntarily be doing that shortly 
@Anonymous wrote:That'll be interesting to see. What were you thinking, 15-20 points? I think you referenced around that point value in crossing the same threshold for installment loan utilization a while back... perhaps you'd see around the same on revolving utilization.
No I don't expect anything like that. In fact I'm not sure I'll see any decrease at all. I think the hit I took today, when I reached the rounded 9%, is the hit I'm going to take.
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%.
@Thomas_Thumb wrote:
@SouthJamaica wrote:
@Anonymous wrote:That'll be interesting to see. What were you thinking, 15-20 points? I think you referenced around that point value in crossing the same threshold for installment loan utilization a while back... perhaps you'd see around the same on revolving utilization.
No I don't expect anything like that. In fact I'm not sure I'll see any decrease at all. I thank the hit I took today, when I reached the rounded 9%, is the hit I'm going to take.
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%.
I generally describe thresholds as follows:
1) below 9% (8% is below 9% as is 8.9% as is 8.99%)
2) 9% to below 29%
3) 29% to below 49%
4) 49% to below 69%
5) 69% to below 89%
6) 89% and above
A card in posting utilization at 50 something % would have crossed the 49% level. An aggregate utilization of 8.5% would not have crossed the 9% aggregate threshold but, if it rises to 9.1% then the threshold will have been crossed. FWIW, that's how I look at it.
Given the above, your latest drop would likely be related to the card going over 49% and then a further TBD drop would be anticipated if/when aggregate reaches 9% prior to rounding up.
My gut feeling from the way my EX scores are behaving is that it's not the true percentage that counts but the rounded percentage. I.e. if it's rounded up or down to 9% it's 9% for scoring purposes, so that there's no difference between 9.3% and 8.7%.
Now that I'm getting 4 EX scores daily in real time, I think I'm going to be able to test that. Either my gut feeling is baloney, or it's dead on.
@Thomas_Thumb wrote:So, basically you are thinking utilization rounds to the nearest whole number as opposed to always rounding up. Also that the threshold after rounding is 9%, not 10%.
That's my gut feeling from what I've been seeing in the few weeks I've had an opportunity to monitor the EX scores in real time. But I'm by no means sure, and need to watch the changes going forward to see if my new hypothesis has validity.
In your hypothesis going from 8.2% to either 8.7% or 9.2% would have a
sscoring impact because the threshold is 9% and both 8.7% and 9.2% round to 9%.
Yes but (a) it's just a hypothesis and (b) I have no serious experience watching any version of 9% -- actual or rounded -- since historically, since I've been on MyFICO, my overall utilization has been much lower. But yes, in my untested supposition, going from 8.2% to 8.7% would have the same scoring impact as going from 8.2% to 9.2%.
In contrast, 8.7% would not reach the next threshold (10%) but 9.2% would if utilization always rounds up.
I guess so. In my very limited experience I haven't noticed everything rounding up. But I have an open mind. Just trying to observe and learn right now. If my hypotheses are supported by lots of testing, then I'll become dogmatic about it And if they're not, then I'll toss them.