AZEO - Util from 12% to 4% = no score change

[Anonymous]

I'm doing the AZEO thing with my cards, and the one card I let report a balance went from 12% utilization down to 4% (Discover $519 reported balance - $12k limit) but there was no change in my scores. I thought there was a threshold at 8.9% that would see a score increase? My overall utilization was already very low but I thought I would get a bump going below 8.9% on the one card that reports?

[AllZero]

Please clarify before and after:

Aggregate utilization %
Individual utilization %
Total number of cards

[AllZero]

Also, what is the source of your report?

Are they FICO scores?

[Anonymous]

Aggregate utilization:

2% -> 1%

Individual utilizaton:

All 0% except one:

12% -> 4%

Six total cards

Yes these are MyFico scores. 

Thanks.

[AllZero]

Crossing individual threshold should yield +- 5 points.

Is there something else going on your report?

[Anonymous]

@AllZero wrote:
Crossing individual threshold should yield +- 5 points.

Is there something else going on your report?

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No other alerts from MyFico since 8/30. The individual change from 12% to 4% reported yesterday (9/20) and was the first and only change in my report in three weeks. Not sure what else could be going on.

[Anonymous]

No, you would not expect to see a score change in crossing the 8.9% threshold on an individual card so long as your aggregate utilization doesn't cross a threshold.  In fact, on a single card, many people report seeing no score movement even in crossing the 28.9% threshold; I do see small movement there, but plenty don't.  For many the first individual card penalty comes at crossing 48.9%.  Again, this is assuming aggregate utilization remains in an ideal place during these individual card threshold crossings.

[AllZero]

My individual utilization is not exact data point as OP at 12% but I wasn't over 28.9% either.

I can share my own data point. YEMV. Clean score card, AZEO, Experian F8 +5 points. Maybe it's that 4% aggregate threshold, was it CassieCard that mentioned it?

Before

Aggregate 8% rounded (7.6%)

Individual 22%

After

Aggregate 3%

Individual 9% rounded (8.8%)

[CH-7-Mission-Accomplished]

So are you saying that going from aggregate 2% to aggregate 1%, but one card reporting at 10% is going to get nailed 5 points for being over 8.9% on that one card?    I have never seen that.   I usually allow one card to report $5 (on 200K+ in limits), but have at times allowed a $100 charge on my Citibank secured 1K card (now closed) to report over $100 (over 10%).   I never saw any change in my FICO scores for a single low limit card reporting over 8.9%.   This just sounds crazy to me that FICO would be that sensitive.  

[AllZero]

I believe BBS might have more factual information than myself. 28.9% or 48.9% might be the thresholds.