Any DPs on AZEO card with 29%-68.9% utilization?

[Anonymous]

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@Kree wrote:

I'm in a transitionary period with some new accounts, no my scores are in a constant flux. But I should in a few months have AZEO with >50 on the one, then <50 then <40 etc.  So we will see what happens as it steps down.

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One thing that is important is to note that you may cross some AoOA, AAoA or AoYA thresholds into a new month so if you don't get any score alerts near the beginning of the month, it may be difficult to parse the utilization changes.

Because my estate planners pays for credit monitoring (up to $20 a month)  I pay personally for MyFico ($40/month) but use the planner's freebie to get CCT ($14.99 or whatever) and I pull my CCTs aroun the 7th (for any new month baseline) and my MyFico around the 23rd (after all my accounts update).

I have to cancel CCT in March though because then my half priced year is over.

[Kree]

I recieve a 3b report every month on the 19th, after all of my statement cuts. So i will be able to provide full data every month. the AOYA and AAOA  is the main reason I won't be providing anything for a few more months (plus the need to finish getting one more card down to zero)

I might also ride my last card up over 60% before beginning, so we can get that data point as well.

[Gidgetmom]

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@Anonymous wrote:

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@Gidgetmom wrote:

I will have data points next month with an overall of 8% and my AZEO card reporting 42%.  (However, will also have an AU card reporting a balance of less than 7%.  Not sure if the AU card skews the data mined here.)

I can say that my EQ 8 dropped 11 points (766 to 755) when the card reported 47% this month, but had 3 other cards reporting a low balance (7% and 8%) (One is the AU account that was less than 1%).  My overall util.  increased from 3% to 10% at the time.  By the time everything reports this month, I will be below 8.9% and expect to get some of those points back.

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Hi GM!  Thanks for being willing to help.

The key to any test is having your profile/reports very stable and clear -- then pulling your scores/for the "before" shot.  Then having a single change and pulling the reports/scores for the "after" shot.  Credit Check Total with its $1 trial and 3B report and scores is a nice tool for this.

I don't see a problem with the AU account as long as it is stable/consistent in both the before and after shot.  In a perfect world, your total utilization would also be almost the same in Before and After, but you probably will still be giving us very meaningful results as long as total stays within the same range (i.e. 0.1% - 8.9%).

Here is what we'd need to know.  For both the Before and After shot....

Total Utilization (counting the AU card)

Total Utilization (not counting the AU card)

Total number of open cards

Total number of open cards showing a positive balance

Individual utilization for each card with a positive balance

Again, we'd need all that for both the Before as well as the After shot.

Is that doable?

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Absolutely.    I can pull my Fico 8 scores and reports through Experian daily if I choose.   EQ is my only clean report.  Have a 30 day late from over 3 years ago on EX and TU.  

I enjoy these “theory” posts.  I’ve learned so much from all of you!  I would be happy to help any way I can.

[Anonymous]

Still surprised there aren't more data points floating in here.  Certainly many of the forum members here must have had a single card go from reporting a small balance to a utilization percentage reported in the 29%-68.9% range, no?

[Anonymous]

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@Anonymous wrote:

Still surprised there aren't more data points floating in here.  Certainly many of the forum members here must have had a single card go from reporting a small balance to a utilization percentage reported in the 29%-68.9% range, no?

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You didn't read the rules here, did you?  I think rule #1 is "Once you get to just one credit card with a balance, you will no longer visit MyFico Forums until you forget to set up autopay on your Chuck E Cheese Visa Signature card and get a 30D late on the $0.99 gum you bought 2 months ago."