8% to 7% --> 7 point increase?

[NRB525]

Individual card utilization.

Ignore it all you want

[Anonymous]

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@NRB525 wrote:
Individual card utilization.

Ignore it all you want

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I'm quite sure SJ will ignore it, the same you've ignored what he's said across 2-3 threads I believe about 5 times now?  (I've actually lost count at this point)

[NRB525]

It’s quite entertaining that you will ignore a threshold on Individual card utilization that matches known thresholds on Aggregate utilization, specifically that 9% is a very believable threshold on individual card utilization and also affects aggregate utilization...

And will find more believable a made-up threshold ( 2 in fact ) at 6% and 7% aggregate utilization, out of the blue.

[Anonymous]

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@NRB525 wrote:
It’s quite entertaining that you will ignore a threshold on Individual card utilization that matches known thresholds on Aggregate utilization, specifically that 9% is a very believable threshold on individual card utilization and also affects aggregate utilization...

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It wasn't ignored.  Why you aren't able to recognize that after being told (say) 6 times across 2-3 threads is concerning.

[NRB525]

Repeating a falsehood six times does not make it become a truth.

[Anonymous]

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@NRB525 wrote:
Repeating a falsehood six times does not make it become a truth.

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It's your opinion that it's a falsehood.  It's SJ's opinion based on his own profile research that it's not.  You're basically telling him that his own profile testing results are wrong.  If that's how you feel, after mentioning that 6 times it's probably not worth mentioning again, as it isn't going to be value-adding at all to what SJ is discussing at this point.

[HeavenOhio]

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@SouthJamaica wrote:

Can 12/30 (or 40%) cards reporting a balance be a magic number for me? Somehow, I doubt that

dropping from 13 to 12 cards reporting a balance would move my scores to that degree.

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How often do you get these scores? If you get these scores frequently and you have a Chase or Discover card available for testing, you can take advantage of the fact that they'll report whenever you call in and ask them to.

Charge something, request that the balance be reported, pay the card to zero, and request that the balance be reported again. If you can pull off the test within a relatively short time span, you might be able to avoid the many moving parts that would be going on in your profile.

[Anonymous]

That's a good suggestion above to keep the card in question a constant.  I'd say the best method would be to start with either of those cards at $0, then report the balance, then pay it off and report $0 again.  This would give 3 solid scores... the before, during and after.  With no other factors influencing score during this span of a few days, the before and after scores should be identical, with the during score being the data point for score change.

[SouthJamaica]

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@HeavenOhio wrote:

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@SouthJamaica wrote:

Can 12/30 (or 40%) cards reporting a balance be a magic number for me? Somehow, I doubt that

dropping from 13 to 12 cards reporting a balance would move my scores to that degree.

---

How often do you get these scores? If you get these scores frequently and you have a Chase or Discover card available for testing, you can take advantage of the fact that they'll report whenever you call in and ask them to.

Charge something, request that the balance be reported, pay the card to zero, and request that the balance be reported again. If you can pull off the test within a relatively short time span, you might be able to avoid the many moving parts that would be going on in your profile.

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That's the thing, I now have daily realtime access to my EX reports, as well as to 4 EX scores (FICO 2, FICO 8, FICO Bankcard 8, FICO Auto 8). So I'm getting clean readings.

[NRB525]

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@SouthJamaica wrote:

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@HeavenOhio wrote:

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@SouthJamaica wrote:

Can 12/30 (or 40%) cards reporting a balance be a magic number for me? Somehow, I doubt that

dropping from 13 to 12 cards reporting a balance would move my scores to that degree.

---

How often do you get these scores? If you get these scores frequently and you have a Chase or Discover card available for testing, you can take advantage of the fact that they'll report whenever you call in and ask them to.

Charge something, request that the balance be reported, pay the card to zero, and request that the balance be reported again. If you can pull off the test within a relatively short time span, you might be able to avoid the many moving parts that would be going on in your profile.

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That's the thing, I now have daily realtime access to my EX reports, as well as to 4 EX scores (FICO 2, FICO 8, FICO Bankcard 8, FICO Auto 8). So I'm getting clean readings.

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I agree fully with Heaven’s suggestion. The challenge is going to be fitting it in with the timing of 12 other cards reporting during the month.