AAoA Data Points on a thin/clean file

[Anonymous]

That was more than likely somebody talking about a revolving threshold.

[ChemE_Bear]

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@Anonymous wrote:
That was more than likely somebody talking about a revolving threshold.

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I found someone mentioning thresholds for installment loans in this thread: https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Installment-loans-Pay-down-40-or-pay-down-TO-40/m-p/5656521 and have found other examples.  I have two potential upcoming data points - I paid down my aggregate installment utilization to 88% and my husband paid down his to 70%, which will both report in the next week or so, I will see if any points are gained from crossing those thresholds.

[Anonymous]

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@ChemE_Bear wrote:

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I found someone mentioning thresholds for installment loans in this thread: https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Installment-loans-Pay-down-40-or-pay-down-TO... and have found other examples.  I have two potential upcoming data points - I paid down my aggregate installment utilization to 88% and my husband paid down his to 70%, which will both report in the next week or so, I will see if any points are gained from crossing those thresholds.

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While there may be an installment utilization threshold or two along the way good for a couple of points, the biggest gain is once the loan (or aggregate) drops below 9% utilization.  Many have reported 15-20 points acquired at that time.

[Anonymous]

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@ChemE_Bear wrote:

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@Anonymous wrote:
That was more than likely somebody talking about a revolving threshold.

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I found someone mentioning thresholds for installment loans in this thread: https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Installment-loans-Pay-down-40-or-pay-down-TO-40/m-p/5656521 and have found other examples.  I have two potential upcoming data points - I paid down my aggregate installment utilization to 88% and my husband paid down his to 70%, which will both report in the next week or so, I will see if any points are gained from crossing those thresholds.

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@ChemE_Bear I will look forward to your data points, but remember there are installment balance thresholds. So watch the balances as well because more than likely that's the threshold you will cross in my opinion, if any. 

i'll go read the thread you linked

[ChemE_Bear]

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@Anonymous wrote:

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@ChemE_Bear wrote:

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I found someone mentioning thresholds for installment loans in this thread: https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Installment-loans-Pay-down-40-or-pay-down-TO-40/m-p/5656521 and have found other examples.  I have two potential upcoming data points - I paid down my aggregate installment utilization to 88% and my husband paid down his to 70%, which will both report in the next week or so, I will see if any points are gained from crossing those thresholds.

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While there may be an installment utilization threshold or two along the way good for a couple of points, the biggest gain is once the loan (or aggregate) drops below 9% utilization.  Many have reported 15-20 points acquired at that time.

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Yes, I've personally experienced that boost  below 9% utilization (and the point loss of paying that loan off later) but we are not near that so I'm just monitoring for any possible points either from % utilization or like @Anonymous mentioned crossing balance thresholds.