Last cycle, EQ rose from 692 to 700 which is psychologically comforting since it's been stuck around 686-693 since I joined the forum. However, the cause is a mystery to me. I've had no scoreable inqs on EQ in 2024 and no changes to accounts other than minor dips in util. Aggregate util dropped from 6% to 2% and per card was all steady near <1%-10% except the Cash+ at 24%. AAoA 9 years, 5 months. AoOA 17 years, 0 months. AoYA 0 years, 9 months. Last late 4 years, 10 months. I can't find anything in there worth 8 points.
VS4: 703
Well congrats on the 700 club. It could be a metric aged. Util dropped a bit. Or less cards reporting a balance. Theres little tweaks that can trigger a small gain. Get that 24% card under 8.99 and you'll see another gain.
@DXness wrote:Last cycle, EQ rose from 692 to 700 which is psychologically comforting since it's been stuck around 686-693 since I joined the forum. However, the cause is a mystery to me. I've had no scoreable inqs on EQ in 2024 and no changes to accounts other than minor dips in util. Aggregate util dropped from 6% to 2% and per card was all steady near <1%-10% except the Cash+ at 24%. AAoA 9 years, 5 months. AoOA 17 years, 0 months. AoYA 0 years, 9 months. Last late 4 years, 10 months. I can't find anything in there worth 8 points.
Could be:
-a scorable inquiry from 2023 dropping off
-aggregate utilization dropping to 2%
-AoOA reaching 17 years
-last late aging
