No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
This is a report of the difference between 2 of 4 at $1,423 (4%) and All Zero.
| 8 | BC8 | AU8 | MTG | AUT | BKC | 3 |
EX | -13 | +1 | -22 | +8 | -5 | +4 | +9 |
| 729 | 758 | 708 | 739 | 703 | 740 | 732 |
AoOA | AAoA | AoYA |
2yr 11mo | 1yr 8mo | 9mo |
AoORA | AAoRA | AoYRA |
1yr 11mo | 1yr 4mo | 9mo |
Aggregate % | Aggregate $ | TOTAL LIMIT |
0% | $0 | $32,000 |
Note: Aggregate balance was $1,423 at 4% utilization (4.45 actual). |
@Anonymous Very interesting as always Cassie. And so now they’re going to go up 1>2 and will get those data points as well on the way back up? very interested in comparing 01234.
@Anonymous wrote:@Anonymous Very interesting as always Cassie. And so now they’re going to go up 1>2 and will get those data points as well on the way back up? very interested in comparing 01234.
Discover and AMEX both close today (the 6th).
I've been seeing a delay in AMEX's reporting lately, so there might be some time to get a clean daily report from EX at 1of4 before 2of4 reporting.
The plan now is to have the same 2 cards with the same balances (4% each, $160 and $520) reporting in December for the big AoOA 3yr / AoORA 2yr test.
Then in January I want to see what happens on mortgage scores when switching from $680 to $499 aggregate. I really think there is a $500 threshold there.
Imagine seeing this after paying off all your credit cards and not knowing about the All Zero score drop.
New Topic: One of [FICO Sucks!], [THIS WHOLE CREDIT THING IS A SCAM], [!@#$% %$# !@#% FICO $%^&^$ !!!!], [etc.]
All good....AMEX and Discover will report statement balances of $520 and $160 (4.00% ind. util, exactly) over the next few days.
First 2 cards to report are now at $0 from $1,423 total.
2 separate reason statements on TU 8 for no recent balances!
@Anonymous wrote:Imagine seeing this after paying off all your credit cards and not knowing about the All Zero score drop.
New Topic: One of [FICO Sucks!], [THIS WHOLE CREDIT THING IS A SCAM], [!@#$% %$# !@#% FICO $%^&^$ !!!!], [etc.]
All good....AMEX and Discover will report statement balances of $520 and $160 (4.00% ind. util, exactly) over the next few days.
First 2 cards to report are now at $0 from $1,423 total.
2 separate reason statements on TU 8 for no recent balances!
@Anonymous that is so awesome! I had already included that in the Primer and now I have a link with a picture of it in real life!!
That proves it is tracking them separately and I wonder if the credit union card reported if you would get the national code or not. And I bet it excludes retail! That's probably why you get the "partial AZ penalty" for a retail card at AZEO, because it's only triggering one of the two, since it is still a revolver. 😉
So the traditional AZ penalty is actually a combination of 2 AZ penalties at TU8 and EQ8.
EX8 does not have the national/bankcard negative reason code and therefore it does not have this AZ penalty, imho.
EX now has the new AMEX and Discover balances of $520 and $160, respectively.
EX BC8 and EX 3 like All Zero better than 2 of 4 with a $680 aggregate balance.
As expected, I picked up +3 points on EX 8 with every card at less than 5% util after rounding (both at 4% now, had 2 at 9% last month).
| 8 | BC8 | AU8 | MTG | AUT | BKC | 3 |
EX | +16 | -5 | +25 | +4 | +16 | +8 | -9 |
| 745 | 753 | 733 | 743 | 719 | 748 | 723 |
AoOA | AAoA | AoYA |
2yr 11mo | 1yr 8mo | 9mo |
AoORA | AAoRA | AoYRA |
1yr 11mo | 1yr 4mo | 9mo |
Aggregate % | Aggregate $ | TOTAL LIMIT |
2% (2.125) | $680 | $32,000 |
Note: Comparison to a temporary All Zero drop - not to the prior month. 4% (4.00 exact) individual utilization on 2 cards out of 4. Other 2 at $0. |
Below is a comparison to prior month with 2 cards at 9% each, 2 at $0.
$1,423 to $680 aggregate balance change, 4% to 2% aggregate util.
EX 2's are no longer showing 'No recent revolving usage', even though last month had $1,423 on 2 different cards.
EX 2's picked up some points due to dropping below $1000 in total balances. Usually around +5 that I have seen before.
(Those 2 cards are not charge or retail cards - Citi Costco Visa had $1,234 and it still showed 'No recent revolving usage' last month.)
| 8 | BC8 | AU8 | MTG | AUT | BKC | 3 |
EX | +3 | +3 | +3 | +12 | +11 | +12 | 0 |
| 745 | 753 | 733 | 743 | 719 | 748 | 723 |
AoOA | AAoA | AoYA |
2yr 11mo | 1yr 8mo | 9mo |
AoORA | AAoRA | AoYRA |
1yr 11mo | 1yr 4mo | 9mo |
Aggregate % | Aggregate $ | TOTAL LIMIT |
2% (2.125) | $680 | $32,000 |
Note: Comparison to prior month with 2 cards at 9% each, 2 at $0. Currently: 4% (4.00 exact) individual utilization on 2 cards out of 4. Other 2 at $0. |