@Anonymous wrote:I took my AZEO card from 28% utilization (27.x%) to 8% utilization (7.x%) while keeping aggregate utilization ideal (2% to 1% drop) and saw slight gains. EX +5 points, EQ +2 points. TU is already at 850, so no way to know how much additional "buffer" was added.
I know on many profiles taking an AZEO card across the 8.9% threshold doesn't result in any score gain, so I wanted to provide an example of it mattering a little anyway. I know there are also profiles where crossing the 28.9% threshold on an AZEO card doesn't impact score, but for me it also did at that point.
This is sort of a follow-up thread to one I started last month, which can be found here:
Let's not lose sight of the fact that the primary purpose of AZEO is not to maximize FICO 8 scores but to provide comfort that we are not hurting ourself across the entire scoring model spectrum. I.e., it's just an insurance policy that we're not losing points somewhere.
It's easy for us to get wrapped up in FICO 8 because that's the only one to which we have easy access. But the other FICO scores often behave quite differently. On every full report I get, there is a gap of around 130 points between my highest and lowest FICO scores.
