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Account Aging Metrics / Utilization spreadsheet

Birdman7
Super Contributor

Re: Account Aging Metrics / Utilization spreadsheet

That’s what it is the combination of the switch in the minif maybe?
-Scoring wisdom: Credit Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
Anonymous’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 21 of 70
ccquest
Established Contributor

Re: Account Aging Metrics / Utilization spreadsheet

Nah I mixed up files when I was editing and combined the not 2019 front half of equation with 2019 back half, download again now and it should be clear -.-

 

Actually looking again I messed up with another switch in there. Give me a couple minutes.

 

And updated...again. LMK if I caught them all now.

as of 4/1/21
Current Cards:
Message 22 of 70
Birdman7
Super Contributor

Re: Account Aging Metrics / Utilization spreadsheet

Take your time do the changes Cassie suggested, this is gonna be awesome for everybody!!!!!

 

@ccquest that did the trick now you just got to incorporate the updates!!!! Awesome!!!

 

this is so awesome because people can plug in their data and give us accurate information this will make troubleshooting score changes so much better if someone uses this!!

-Scoring wisdom: Credit Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
Anonymous’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 23 of 70
Anonymous
Not applicable

Re: Account Aging Metrics / Utilization spreadsheet


@Birdman7 wrote:
Take your time do the changes Cassie suggested, this is gonna be awesome for everybody!!!!!

This may have been the spark needed to create the 'One True Excel File to Satisfy Them All'. lol

 

I can add VBA code if needed, but I think it's better to stick with worksheet formulas rather than switch to an xlsm file format.

 

SWITCH is included in Excel 2016 versions that were on subscription - it wouldn't work with standalone 2016. (Not even sure how a 2016 on subscription would stay that way, since everyone on MS 365 gets the latest version anyway.)

Message 24 of 70
Birdman7
Super Contributor

Re: Account Aging Metrics / Utilization spreadsheet

So this is set up to go all the way through 103 rows?
-Scoring wisdom: Credit Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
Anonymous’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 25 of 70
ccquest
Established Contributor

Re: Account Aging Metrics / Utilization spreadsheet

Yeah it's set to row 103 for now, but I can update that to go further right now while I'm making changes.

I'm actually going to delete the age unit dropdown and just go with Cassie's recommendation as it's a little more human that way, young accounts will just need to ignore the 0yr at the start of each one.
as of 4/1/21
Current Cards:
Message 26 of 70
Anonymous
Not applicable

Re: Account Aging Metrics / Utilization spreadsheet


@Birdman7 wrote:
So this is set up to go all the way through 103 rows?

That should be fine. There is a way using the OFFSET function to take the whole column range, but that's ridiculous - anyone with 1,048,570 accounts needs a lot more help than an Excel file can give! haha

 

Could make it J8:J200 just to have even some nice numbers to look at, but even J8:J103 works for practically everyone.

Message 27 of 70
Birdman7
Super Contributor

Re: Account Aging Metrics / Utilization spreadsheet

You guessed it mines standalone.
-Scoring wisdom: Credit Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
Anonymous’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 28 of 70
Birdman7
Super Contributor

Re: Account Aging Metrics / Utilization spreadsheet

Yeah I’m sure that’s more than enough for anyone
-Scoring wisdom: Credit Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
Anonymous’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 29 of 70
ccquest
Established Contributor

Re: Account Aging Metrics / Utilization spreadsheet

Alright, here's the latest version everybody!

 

This should work for all versions and shows the age in a bit better format thanks to recommendation of Cassie.

 

image.png

 

Hope it works better for everyone and thanks for the feedback!

as of 4/1/21
Current Cards:
Message 30 of 70
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