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AU's overall utili 75% to 25%= NO CHANGE?

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Valued Contributor

AU's overall utili 75% to 25%= NO CHANGE?

So I made my S.O. an AU on my 5 yrd old CapOne card with $10k.  That dropped her overall utilization from around 75% to 25%.  But she did not get a score change on myFico.

 

CK, CapOne Score tracker....gave her a 25 pt bump. 

 

The new account is on her 3B reports from Feb. 26.  

 

Any ideas on this one?

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Valued Contributor

Re: AU's overall utili 75% to 25%= NO CHANGE?


@racer-x wrote:

So I made my S.O. an AU on my 5 yrd old CapOne card with $10k.  That dropped her overall utilization from around 75% to 25%.  But she did not get a score change on myFico.

 

CK, CapOne Score tracker....gave her a 25 pt bump. 

 

The new account is on her 3B reports from Feb. 26.  

 

Any ideas on this one?


According to FICO scoring, AU isn't weighed as heavily. It's not an individual account. FICO knows people are abusing AU's so I think they opt it all out.

"I am become death, the destroyer of worlds"
Message 2 of 5
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Valued Contributor

Re: AU's overall utili 75% to 25%= NO CHANGE?


@tonyjones wrote:

@racer-x wrote:

So I made my S.O. an AU on my 5 yrd old CapOne card with $10k.  That dropped her overall utilization from around 75% to 25%.  But she did not get a score change on myFico.

 

CK, CapOne Score tracker....gave her a 25 pt bump. 

 

The new account is on her 3B reports from Feb. 26.  

 

Any ideas on this one?


According to FICO scoring, AU isn't weighed as heavily. It's not an individual account. FICO knows people are abusing AU's so I think they opt it all out.


That would s uck.  That wasn't the case in this thread from a couple days ago... http://ficoforums.myfico.com/t5/Credit-Cards/Effects-on-adding-GF-as-AU/td-p/3837997

 

Message 3 of 5
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Valued Contributor

Re: AU's overall utili 75% to 25%= NO CHANGE?


@racer-x wrote:

@tonyjones wrote:

@racer-x wrote:

So I made my S.O. an AU on my 5 yrd old CapOne card with $10k.  That dropped her overall utilization from around 75% to 25%.  But she did not get a score change on myFico.

 

CK, CapOne Score tracker....gave her a 25 pt bump. 

 

The new account is on her 3B reports from Feb. 26.  

 

Any ideas on this one?


According to FICO scoring, AU isn't weighed as heavily. It's not an individual account. FICO knows people are abusing AU's so I think they opt it all out.


That would s uck.  That wasn't the case in this thread from a couple days ago... http://ficoforums.myfico.com/t5/Credit-Cards/Effects-on-adding-GF-as-AU/td-p/3837997

 


That's FAKO score or he's trolling, 30 point increase by just adding someone as AU, gimme a break, if that was the case everyone would do it and FICO score wouldn't mean **bleep** anymore.

"I am become death, the destroyer of worlds"
Message 4 of 5
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Valued Contributor

Re: AU's overall utili 75% to 25%= NO CHANGE?

Nice catch.  I didn't notice that.

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