AZEO without being under 8.9%

[Anonymous]

Will I still get a score boost if all my cards report a 0 balance except for one, but that one is over 8.9% but under 30%?

[chiefone4u]

There should be some benefit to less than 28.9% reporting, better results under 8.9%.

[FireMedic1]

^^^^^^This.

[Anonymous]

I don't know what kind of a score boost AZEO does as opposed to having several balances. I just got a score boost of 8 points by going from 9% to 6% overall, with several balances reporting. 3 are higher than 10%, while the rest are all way under between 5% and 1%.

I though I read somewhee that there is no score change for anything under 8%? If I were a little more proactive i probably could have paid those smaller balances off before the statement cut. Though i still have a couple $2K BT's riding out the 0%, so i'm in no hurry to pay those off.

Perhaps end of February I'll test run this method to see what it does for me. 

[Anonymous]

Number of accounts/revolvers with a balance is a seperate metric from utilization.

It is believed the lowest aggregate utilization threshold is 8.9%, except for certain profiles having a 4% threshold.

Individual utilization thresholds are believed to begin at 28.9%. Therefore, theoretically, you should see optimal if ag. util is under 8.9% and individuals under 28.9%.

But, yes, the lesser number of balances, the better, though there are thresholds there too, so it depends on profile.

[Remedios]

There may or may not be. When I had one card reporting around 25%, the difference between that and under 8.9% while doing AZEO  was one point. However, my aggregate utilization remained within a single point (change from 2% to 3%) 

[Anonymous]

I didn't dig too deep, but I also didn't notice any significant change in individual thresholds. 

---

[Anonymous]

Remmy That was going from AZEO @25% to AZEO <8.9%, correct? Or did number of revolvers with a balance change?