AZEO nominal to AZEO over 29% single - 4/2/7 pts

[expatCanuck]

My BT card reported.  AZEO with nominal (<1%) occupancy single card utilization went to 32.1%; aggregate remains under 7%.

My EX score (the canary in my coal mine) dropped 4 points (721 to 717).  EQ dropped 2 (750-748). 

TU dropped 8 (math left as an exercise for the reader).

Not unexpected, but not pleasant.

I'll have util down to under 28.5% next month -- we'll see what happens.

[Anonymous]

Sounds about right.  I think that the overall perception if you were to poll people would be that the loss would be > 4 points, but it's really never that bad from what I've seen.  As with everything, though, it depends on profile.

[expatCanuck]

EQ just reported.  Only a 2-point drop.  EX truly is the canary.

My sense is that scores below 740/750 or above 800 are more volatile (depending upon the change).

[expatCanuck]

And, closing the loop - single card util is back down under 29% (28.5), and no points back on EQ or EX.  Edit: TU yielded back 2.  (When the card first reported ~32% util, I took a 2 / 4 / 7 point hit on EQ / EX / TU, respectively.)

The card reported 4.5/14 last month, and 4/14 this month.  All other cards report zero.  Aggregate util is 5.1% against reported limits (which doesn't include a recent 12K CLI).

TU doesn't appear to have processed the change yet (per myFICO), but the other two have.

[NRB525]

OP are you going to add reporting balances, or this is strictly utilization change within AZEO?

Good info, it will be interesting to see the INQ drop off. 

[expatCanuck]

Strictly util changes w/in AZEO.  Last month, reported 4.5/14K.  This month 4/14K.  It's my only card reporting.