8.5% vs 10.9% utilization

[Zoostation1]

Since I like seeing and sharing DPs on what changes going past thresholds etc do to scoring and I had a higher expenses last month: 

March: 2/5 AWB reporting (all CC, no charge card, no loans): 15%, 12%, 8.5 % aggregate util 

April: 2/5 AWB reporting (all CC, no charge card, no loans): 20%, 12%, 10.9% aggregate util:

EQ8: 0, TU8: 0 EX8 -1  - almost no change and nothign of consequence for FICO 8 scores

EQ9: -4, TU9: 0, EX9: -8  - TU just doesn't care on 8 or 9.  Stil my highest scores overall

EQ10: -2 TU -2, EX8: -4

EQ10T:  -4 , TU10T: 0 EX10T -7  Second highest set of non industry scores still on avg

EQ5: -5 , TU4: 0 EX2: 0

Whille I don't find it worth it to stay AZEO anymore, I can't wait till I have a clean profile and not worry about10-15, or even a 25pt dip if I've got higher utilization or a fairly high percentage of cards reporting one month.

[FicoMike0]

Where do you get all those scores?

[CorpCrMgr1]

It would be interesting to track utilization and scores for an extended period. This might prove if the algorithms do make sense.

[Thomas_Thumb]

---

@Zoostation1 wrote:

Whille I don't find it worth it to stay AZEO anymore, I can't wait till I have a clean profile and not worry about10-15, or even a 25pt dip if I've got higher utilization or a fairly high percentage of cards reporting one month.

---

Don't forget impact of utilization on score is muted on dirty scorecards. So, expect to see higher score shifts when your profile is clean - assuming loan status stays the same.

I like your attitude regarding 10-25 point temporary score shifts. If you aren't looking for credit and can eliminate the cause at will; what is there to fret about.

[FlaDude]

---

@FicoMike0 wrote:

Where do you get all those scores?

---

Between the different flavors of FICO and three bureaus each of us has more than two dozen FICO scores. A paid 3B subscription to myFICO will make them all available, as will paid subscriptions from other services. Here's an example:

[FicoMike0]

interesting. I tried paid experien, not much good.

[Horseshoez]

---

@FicoMike0 wrote:

interesting. I tried paid experien, not much good.

---

You get WAAAAY more bang for the buck by using the myFICO Premier plan compared to the Experian plan.

• https://www.myfico.com/products/fico-score-plans

[FlaDude]

I've never tried paid Experian. Personally I use Extra Credit from credit.com but only because I'm grandfathered in to an introductory promo rate they had when they first started. If I had to pay full bore, I'd stick with myFICO.

[Horseshoez]

---

@FlaDude wrote:

I've never tried paid Experian. Personally I use Extra Credit from credit.com but only because I'm grandfathered in to an introductory promo rate they had when they first started. If I had to pay full bore, I'd stick with myFICO.

---

I used to use ExtraCredit; it is definitely a good price option, however, a couple years ago when I compared the two, there were a few things ExtraCredit was missing.  The reason I switched was they were consistently missing one of the bureaus each month which required me to call them and say, "Hey, where's my Experian?" and then the next month, "Hey, where's my TransUnion?"

[FlaDude]

---

@Horseshoez wrote:

---

---

I used to use ExtraCredit; it is definitely a good price option, however, a couple years ago when I compared the two, there were a few things ExtraCredit was missing.  The reason I switched was they were consistently missing one of the bureaus each month which required me to call them and say, "Hey, where's my Experian?" and then the next month, "Hey, where's my TransUnion?"

---

They had some teething pains early on, I had the same issues with one or two bureaus not updating some months and had to put in support calls to get them resolved. It is a lot smoother lately. Now that my house purchase is behind me, I don't have a need to get all my scores every month, the free FICO 8s from my credit cards is fine. Even back during the house shopping phase, I just got the $30 plan from myFICO, got my scores and report, and did the 6 month pause thing, repeat. The only reason I keep Extra Credit is that it is insanely cheap for me at $5 per month for monthly full scores and reports.