@MakingProgress wrote:
I think in my case as I started my rebuild I wanted every point I could get so as soon as I heard about AZEO I jumped on the bandwagon. Now that I have better scores and more available credit I don't worry about it nearly so much. When I get ready to app I will impliment AZEO.
Back to the OP question. My understanding of AZEO is that it is really AZ except 1/3 of revolving accounts, if that is indeed the case you can allow 2 of 6 accounts to report a balance and still recieve the score boost of AZEO.
The wanting every point when I started rebuilding was and still is me. It just became a normal way of life. I'll change my daily driver as it gets close to the closing date so I can have my payment posted before that happens. I also watch when I use another cards so a balance doesn't report most of the time. I say most of the time because I'll sometimes let balances report. It doesn't matter for scoring but I believe it's good to allow balances to report then be paid off once in awhile. I was carrying 0% balances on two cards. I recently paid one off so the other is my one card with a balance reporting. I'm giving up a few points with it's utilization at 43% but it's not the end of the world.
EQ - 676 / TU - 667 / EX - 679
Capital One Venture - $13000 / AAA Travel Advantage Visa - $11500 / TD Cash Card - $7500 / Capital One Savor - $7500 / Bread Rewards AMEX - $6950 / Apple Card - $6500 / TD Double Up - $5500 / Mercury - $5000 / Capital One QuickSiver - $5000 / Ally Master Card - $4300 / DCU Visa - $3000
$75,750
DCU Auto Loan
