Are there other credit card utilization thresholds for mortgage scores

[Anonymous]

I agree with both of you and it would be awesome if it could be tested!

[tooleman694]

The balance should be updated in the morning I hope. If it does I'm pulling a 3b. I will say though, the pull will show another CC at zero.

[Anonymous]

@tooleman694 What will the change be? And what was the before and after aggregate revolving Balance before and after the previous change?

[Curious_George2]

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@Anonymous wrote:

Like I said, the probability of a $4 move from $5477 to $5481 or whatever being the cause for a score change is going be super small.  Could there be a dollar threshold in there, perhaps, but we definitely don't know and my guess would be that there isn't.

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This probabilistic argument implicitly assumes we have a random $4 change. But we don't. It's a $4 change concurrent with a drop in score. There is a severe reporting bias at work here, because no one posts about $4 changes that don't coincide with any score change. 

[Anonymous]

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@Curious_George2 wrote:

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This probabilistic argument implicitly assumes we have a random $4 change. But we don't. It's a $4 change concurrent with a drop in score. There is a severe reporting bias at work here, because no one posts about $4 changes that don't coincide with any score change. 

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I'm afraid I don't follow you.  What difference would it make if everyone on the forum that had a $4 change posted that there was no score change to go along with it?  We're not talking about those [very many] examples, we're talking specifically about the OP.  As you are well aware, score changes can come from all sorts of profile data changes, many of which aren't alertable or obvious.  Just because the $4 change happened at the same time the score drop was seen doesn't mean a direct relationship exists between them.

[Anonymous]

He’s just saying since there was a point change balance threshold is a possibility.

[Anonymous]

Of course there is a possibility, and I don't think anyone has stated that there isn't.  It's just the smaller the balance change, the lesser the chance of a dollars related balance threshold being crossed.

[tooleman694]

Cap one is now 2 days late in reporting. Typically they report on the 15th.

A thought I had, is that maybe they treated that low balance as a card at zero. But that 4 bucks tipped it over. I will know as soon as they freaking report it.

[Anonymous]

Whatever it says on your statement is what they'll report.  If they forgive a small balance it will be reflected both on your account and thus what is reported.

[tooleman694]

I paid it in full, to zero out another card before the mortgage pull.