So when reducing my balances I paid off an AU card before I realized there was an AU AZ penalty. I noticed a 6 point drop when paying the card off. After letting a balance report this month my score increased by 8 points. The scores are EX FICO8 scores, as expected EX FICO2 was not affected by the change.
AAoA is 3 years 9 months, AoOA is 8 years 8 months, AoYRA is 9 months, clean profile, 14 open revolving accounts and 5 closed revolving accounts
Just figured I would share some data points and see if anyone finds them of benefit. If any other data points would be helpful let me know.
