@Anonymous wrote:
@NRB525 wrote:Here is a recent sequence for my cards. The $451 change is taking a card over 50%. EX lost 21 points. Even with that, a few days later paying down another card from 19% to 8% increases EX by 5 points, getting some of those back even though a card just went over 50%. I see this sort of movement all month long.
That's actually more surprising to me than anything SJ has reported thus far in this thread. My understanding has always been that highest individual card utilization is what matters, so if you had a card at > 50%, I wouldn't expect your score to change at all in taking a different card from 19% to 8% unless doing so resulted in an aggregate utilization threshold-crossing. I've never tested this on my own profile, just highest individual card, so I'd definitely like to hear from others on it.
You are right to be surprised by it. But what was submitted as evidence of it is not evidence of it; it was merely a string of MyFICO alerts, which as you know are not necessarily related to, and are usually not related to, the specific score update referenced in the alert.
@Anonymous wrote:
@NRB525 wrote:Here is a recent sequence for my cards. The $451 change is taking a card over 50%. EX lost 21 points. Even with that, a few days later paying down another card from 19% to 8% increases EX by 5 points, getting some of those back even though a card just went over 50%. I see this sort of movement all month long.
That's actually more surprising to me than anything SJ has reported thus far in this thread. My understanding has always been that highest individual card utilization is what matters, so if you had a card at > 50%, I wouldn't expect your score to change at all in taking a different card from 19% to 8% unless doing so resulted in an aggregate utilization threshold-crossing. I've never tested this on my own profile, just highest individual card, so I'd definitely like to hear from others on it.
I'm not sure how you could test it if you don't get updates from a monitoring service at the time those are received from the bureaus.
@SouthJamaica wrote:
@Anonymous wrote:
@NRB525 wrote:Here is a recent sequence for my cards. The $451 change is taking a card over 50%. EX lost 21 points. Even with that, a few days later paying down another card from 19% to 8% increases EX by 5 points, getting some of those back even though a card just went over 50%. I see this sort of movement all month long.
That's actually more surprising to me than anything SJ has reported thus far in this thread. My understanding has always been that highest individual card utilization is what matters, so if you had a card at > 50%, I wouldn't expect your score to change at all in taking a different card from 19% to 8% unless doing so resulted in an aggregate utilization threshold-crossing. I've never tested this on my own profile, just highest individual card, so I'd definitely like to hear from others on it.
You are right to be surprised by it. But what was submitted as evidence of it is not evidence of it; it was merely a string of MyFICO alerts, which as you know are not necessarily related to, and are usually not related to, the specific score update referenced in the alert.
That still leaves us back with your original score change question.
The only change documented with any potential to change score is the individual utilization making a big swing on one card.
@Anonymous wrote:
@NRB525 wrote:
Both post 4 and post 10 are asking first for the list of individual card utilization changes. The reference to timing is just casting a wide net for any sort of change reasons.
I take no issue with you asking about individual card utilization changes. The only thing I'm talking about here is you prying about age of accounts factors when SJ already made it crystal clear that those factors could not impact the score change, as the change came at the end of the month before the 1st. I think this is the 5th time now that I've tried explaining it to you, so let's just move on from it.
Yes, since I already stopped talking about age of accounts and month change overs, let's stop talking about it.
@NRB525 wrote:
...The only change documented with any potential to change score is the individual utilization making a big swing on one card.
As I have stated, the individual utilization change of 25% to 1% in one account, in the context of my profile, was a non-event. That is because it was not among the highest utilization accounts (there were 3 higher) and because there were 8 accounts >9%.
A week later, a similarly sized change upward, from 1% to 26%, in another account, didn't move the needle even a single point. Probably because the overall utilization stayed within 6%.
In my profile individual utilization changes up and down are always a non-event, unless they cross the 30% dividing line.