Azeo help and understanding

[Anonymous]

Hello everyone I'm here to ask a question in regards to the AZEO METHOD I've been reading in here and I need help so I have 2 cc has a primary and 3cc has a AU for the azeo method to work I have to leave a bal on 1 of my cards that I have or would it also work with a card I'm a AU 

Thanks in advance 

[iv]

AZEO applies separately to your own cards, and to your AU cards.

So for best optimization (which isn't a huge effect, really...), you'd need to let one of your cards report a balance, with the rest at $0, AND let one of your AU cards report a balance with the rest of the AU cards at $0.

(Assuming that all of your AU cards are actually counting, and are not blocked from scoring by the anti-abuse algorithm...)

Either way, you aren't going to see massive point changes from this - it only really matters if you are within a few points of a breakpoint for something.

[Anonymous]

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@Anonymous wrote:

Hello everyone I'm here to ask a question in regards to the AZEO METHOD I've been reading in here and I need help so I have 2 cc has a primary and 3cc has a AU for the azeo method to work I have to leave a bal on 1 of my cards that I have or would it also work with a card I'm a AU 

Thanks in advance 

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@Anonymous it depends on which score you're trying to optimize. You need a balance on one of each as stated for 8/9. For the mortgage Scores you only want a balance on one bankcard with a limit under $31,000. 

[Anonymous]

Thanks for the reply, so to understand what you said, I need to have all my cards including AU at 0 and one of my cards that I'm the primary with a 9%nor lower Utlztn? Is that correct. 

[Jordan23ww]

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@Anonymous wrote:

Thanks for the reply, so to understand what you said, I need to have all my cards including AU at 0 and one of my cards that I'm the primary with a 9%nor lower Utlztn? Is that correct. 

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You want 1 card that you're primary on and 1 card you're an authorized user on to both report a small balance. 

[Anonymous]

Awesome thank you for the clarification, question in regards up that. Do you recomend doing that with the same cards everyone month or switch it up with different cards 

And also based on you're knowledge does your Credit score increase by Alot or just a small increasement. 

[Jordan23ww]

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@Anonymous wrote:

Awesome thank you for the clarification, question in regards up that. Do you recomend doing that with the same cards everyone month or switch it up with different cards 

And also based on you're knowledge does your Credit score increase by Alot or just a small increasement. 

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You're welcome! You can just use the same 2 cards every month if that works for you. I use the same 2 cards (primary and authorized user) every month.  

If you ever decide to switch your AZEO card setup be aware of statement closing dates. I switched my cards before and ended up having no card report a balance due to the timing of the cards reporting.  I lost points

for having all cards reporting $0 balances but on the bright side when the next month came around I recouped those points. Now when I want to switch my setup I let 2 primaries report a small balance 1 month so I never report all $0 again. 

For me following AZEO I saw small monthly improvements to my Fico scores. They went up every month a few points which I will take. I of course would have loved massive score jumps but before AZEO I was seeing more inconsistency. Some months I went up, some I stayed the same or went down.  

[Anonymous]

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@Anonymous wrote:

Thanks for the reply, so to understand what you said, I need to have all my cards including AU at 0 and one of my cards that I'm the primary with a 9%nor lower Utlztn? Is that correct. 

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@Anonymous what I said is it depends on which algorithm you're trying to optimize as to what actions you take. For the mortgage scores you want one bank card with a credit limit under $31,000 reporting a balance under $100. 

if you want to optimize version 8/9 then you need one primary and one AU with a Balance.  

[Anonymous]

Awesome thank you so much for your help