Whichever scorecard I am on apparently doesn't give me any credit for AZEO. I just let a second card report a small balance (I'm still under 7% total revolving utilization) with no score change.
@Yeliaba1 wrote:I gained not a point when I reached AZEO. I have a public record with other baddies.
Yeah but what scores are you looking at? AZEO is not that big a deal in FICO 8. It's a bigger deal for the mortgage scores.
@Anonymous wrote:
My bad, I was tired. You are on a dirty card, but again I don't know enough about those to determine which one. But I see you do in fact have a public record and recent dirties. I did not know dirties didn't react to AZEO. Learn new things everyday.
More experienced members, do all dirty scorecards ignore AZEO?
Wait what? All scorecards factor AZEO. 
In general on this topic: I'm just assuming we're talking FICO 8, or really any other algorithm: there are breakpoints, if you don't cross one you won't see any difference.
I can get up to something like 5 revolvers with balance and lose nothing on any FICO 8 score (5/18 open revolvers < 1/3 on EQ's implementation every time I've tested it), but I do on the older models: on all three bureaus which are on 3 different scorecards including TU that is banished to the derogatory scorecards cause of a 60D late.
Would ask on any datapoints, need to know total open accounts, total open revolvers (only different if one has installment loans) and then how many revolvers with balances... open installment loans have a balance sort of by definition.
My own thread running here with datapoints that yup, it matters: https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Mortgage-Scores-accounts-with-Balances-5-13-19-update/m-p/5582241#M154367
@Anonymous wrote:
@Anonymous wrote:
Like SJ said, the mortgage scores are much more reactive to AZEO than FICO 8 or 9.I still think this is a generalization and blanket statement that gets thrown around way too often and isn't always true. On my profile, EQ mortgage score was more volatile to number of accounts with balances than EQ 8, but my TU 8 moved a lot more than my TU 4. EX was basically a wash, but that's with my EX 8's being bulletproof to number of accounts with balances, where with many people that isn't the case.
My EX isn't bulletproof to anything. It has proved to my satisfaction that FICO 2 is much more reactive to number of accounts with balances than FICO 8.
I wouldn't know how to meaningfully test EQ and TU since I don't have daily access to the scores, as I do with EX. I wonder what testing you did that makes you so confident that the results were attributable, or not attributable, to this single factor.
I got huge swings on all mortgage scores paying down my revolvers, and by huge I mean nearly an entire mortgage tier (or more, went clear to gold plated on TU FICO 4 with a recent 60D late, lolwut?) on all of them whereas FICO 8 did not much except a minor move on EQ.
Also Birdman’s data has shown on EQ FICO 5 not only accounts with balances matter but also revolvers with balances matter... double whammy.
Every file is different but I agree with the assertion I believe TT made first, in general mortgage scores are more strongly affected by AZEO than FICO 8, and I am on 3 entirely different scorecards between the 3 bureaus.
Also Birdman’s data has shown on EQ FICO 5 not only accounts with balances matter but also revolvers with balances matter... double whammy.
Every file is different but I agree with the assertion I believe TT made first, in general mortgage scores are more strongly affected by AZEO than FICO 8, and I am on 3 entirely different scorecards between the 3 bureaus.