@Anonymous wrote:
I always have my statements report AZEO, except this month I decided to let my Cap1 Walmart Rewards MC to report the utilization. The “problem” with this is it has yet to report until next Friday or so (2/14/2020) and my 3 other accounts reported already, bringing my Experian score down by 16 points. I have paid my Cap1 Walmart Rewards card down to 3%. I really want my score to rise at least what it has lost from this. Is this a good strategy as far as bringing my score back up or should I pay it down to 1 or 2%
What are your thoughts?
You should be good to go. Wait for it to update, unless you want the 1-2%. It makes no difference as long as aggregate is under 8.9% and individual is under 28.9%. Reports from CassieCard there is 4% or 6% (I can't recall exact number) agg UTI threshold?
@Anonymous wrote:
@Anonymous wrote:
No mortgage any time soon. I know I don’t have to report AZEO, but guess I’m just used to it? Idk. However, reporting all zero is no good for scores.I was doing AZEO for a bit and it's a lot of work. You run into situations like the all zero that you found yourself in and situations where some lenders don't cooperate (Synchrony's random reporting was what made me give up AZEO). Now I just let things report and pay and my scores are just fine. That's the behavior that lenders expect from the average customer too. AZEO looks like you don't use your credit unless they look at the trended data.
You have a bazillion cards and a million dollar credit line of cards. I can imagine it's a lot of work. 
@AllZero wrote:
@Anonymous wrote:
@Anonymous wrote:
No mortgage any time soon. I know I don’t have to report AZEO, but guess I’m just used to it? Idk. However, reporting all zero is no good for scores.I was doing AZEO for a bit and it's a lot of work. You run into situations like the all zero that you found yourself in and situations where some lenders don't cooperate (Synchrony's random reporting was what made me give up AZEO). Now I just let things report and pay and my scores are just fine. That's the behavior that lenders expect from the average customer too. AZEO looks like you don't use your credit unless they look at the trended data.
You have a bazillion cards and a million dollar credit line of cards. I can imagine it's a lot of work.
Lol it's not too bad. I get paid on the 3rd every month (earlier if that falls on a weekend or holiday) so I just take 10 minutes to pull up all my apps, check Marvel and WS websites, and make my payments.
I will admit that having so many cards, not to mention so many from Synchrony, is part of the reason I have no desire to AZEO though but if I have a lender on my list that uses mortgage scores I'll AZEO the month before that app and then go back.
No worries. It’s only temporary and you’ll get the points back.
