AZEO data point

[SRT4kid93]

Tested to see what would happen if I went from 1 acct with balances to 2. I lost 12 points. 

aggregate util went from 2% to 5%, not enough to trigger a point loss, the good news is, I made sure to test this theory with my chase card, so I can easily pay it off and my score will bounce back. If I wanted to.

[JoeRockhead]

I always like science experiments... you went into the, over 50% of revolving accounts reporting balances penalty box. 

[Jeffster1]

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@SRT4kid93 wrote:

Tested to see what would happen if I went from 1 acct with balances to 2. I lost 12 points. 

aggregate util went from 2% to 5%, not enough to trigger a point loss, the good news is, I made sure to test this theory with my chase card, so I can easily pay it off and my score will bounce back. If I wanted to.

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I have over 300K in CL, and typically carry a single $3 balance on one card. However, even when I carry a small balance on one or two other cards concurrently, I do not lose any points. 

[Kforce]

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@JoeRockhead wrote:

I always like science experiments... you went into the, over 50% of revolving accounts reporting balances penalty box. 

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^^^ This

2/3 cards  > 50%

[FicoMike0]

@Jeffster1 

In the interest of science, let one more than 50% if your cards report a few dollars. 😁😁

[Jeffster1]

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@FicoMike0 wrote:

@Jeffster1 

In the interest of science, let one more than 50% if your cards report a few dollars. 😁😁

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Get a life. 🙄

[Thomas_Thumb]

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@Jeffster1 wrote:

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I have over 300K in CL, and typically carry a single $3 balance on one card. However, even when I carry a small balance on one or two other cards concurrently, I do not lose any points. 

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Wow! That's impressive micromanagement.

You should be able to report small balances on 5 or 6 cards without negatively impacting score. Small meaning under 9% of each card's CL.

AZE1 is a useful score optimization strategy for thin files, particularly young ones. It's not really value add for thick files where multiple cards can report without a score penalty.

[mgood]

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@FicoMike0 wrote:

@Jeffster1 

In the interest of science, let one more than 50% if your cards report a few dollars. 😁😁

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I have. When I'm AZE2, AZE3, AZE4, I don't see much, if any, difference. At AZE12 (of 18 cards) it is noticeably worse even with aggregate utilization in the 4%-5% range. I don't have exact numbers because there's usually multiple things changing so I can't pinpoint exactly what caused what. But a few showing balances? No biggie. Most showing balances? Not good.