AZEO - EX Mortgage 5 Point loss

[barca]

An importatnt data points here.

I did AZEO with 10K credit limit card

I moved from $25 to $300 and lost 5 point in EX 2 mortgage.

I moved back from $300 to $25 , I gained back the 5 point.

Nothing else changed.

I have read on this forum that any amount is okay as long as it is less than say 8.9%

in fairness, all other FICO score stay the same except my EX 2 mortgage, auto and bankcard that changed points

[dragontears]

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@barca wrote:

An importatnt data points here.

I did AZEO with 10K credit limit card

I moved from $25 to $300 and lost 5 point in EX 2 mortgage.

I moved back from $300 to $25 , I gained back the 5 point.

Nothing else changed.

I have read on this forum that any amount is okay as long as it is less than say 8.9%

in fairness, all other FICO score stay the same except my EX 2 mortgage, auto and bankcard that changed points

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Some people have reported similar experiences with EX2; however, the phenomenon appears to be profile specific as not everyone can observe the same phenomenon when crossing lower thresholds 

[SouthJamaica]

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@barca wrote:

An importatnt data points here.

I did AZEO with 10K credit limit card

I moved from $25 to $300 and lost 5 point in EX 2 mortgage.

I moved back from $300 to $25 , I gained back the 5 point.

Nothing else changed.

I have read on this forum that any amount is okay as long as it is less than say 8.9%

in fairness, all other FICO score stay the same except my EX 2 mortgage, auto and bankcard that changed points

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If all your other cards reported zero, I can't fathom why an increase from $25 to $300 on a $10k card would have caused a point loss in FICO EX 2.

I would like to know how you're monitoring the scores and report data, and what your overall portfolio looks like. 

[barca]

I have EX monitoring and FICO 3B monthly.

There is no doubt about my monitoring and isolating the issue. 

The only explaination I might think of is $300 is 3% , while $25 is less than 1%

My credit is clean, thick and aged. All my FICO variety of scores are above 800.

AoOA = 16year 11 months

AAoA = 6years 7 months

AoYA = 2years 5 months

Inq = 0 

[Anonymous]

Aside from utilization, may be wrong but believe there is something about reporting more than 0 and less $100 for max AZEO scoring.

[SouthJamaica]

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@barca wrote:

I have EX monitoring and FICO 3B monthly.

There is no doubt about my monitoring and isolating the issue. 

The only explaination I might think of is $300 is 3% , while $25 is less than 1%

My credit is clean, thick and aged. All my FICO variety of scores are above 800.

AoOA = 16year 11 months

AAoA = 6years 7 months

AoYA = 2years 5 months

Inq = 0 

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Well I'm stumped.

[Anonymous]

Sounds about right. EX2 has a ~$147 balance threshold that's why, I do believe. As stated & recommended: have a balance under $100 on a national bankcard with a credit limit of less than $31,000.

[Anonymous]

There is a reason for every recommendation, it's not just there for the heck of it!

[Anonymous]

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@barca wrote:

An importatnt data points here.

I did AZEO with 10K credit limit card

I moved from $25 to $300 and lost 5 point in EX 2 mortgage.

I moved back from $300 to $25 , I gained back the 5 point.

Nothing else changed.

I have read on this forum that any amount is okay as long as it is less than say 8.9%

in fairness, all other FICO score stay the same except my EX 2 mortgage, auto and bankcard that changed points

---

@barca: Someone with similar aging metrics also experienced the same sort of loss on the EX 2's.

At AZEO with a $24K limit card, and somewhere between $129 and $179, she lost 3,2, and 3 points on EX 2, EX Auto 2, and EX Bankcard 2.

(See all the strange balance thresholds she found here.)

I've also found both EX 2 and TU 4 to be very sensitive to number of accounts with balance and balance amounts. Less than 9.5% alone isn't good enough for these scores.

[SouthJamaica]

Well @barca , it appears that you, @Anonymous and @Anonymous have taught me something.

How petty of FICO EX 2 to be resentful of a $300 balance