@Anonymous wrote:
For S&G, AAORA and AAOIA, please.
AAoRA = 13y6m (12/1 closed)
AAoIA = 6y4m (4/2 closed)
EQ being the outlier, has +1 closed revolver still reporting (not calculated).
5/2 was when the 1 acct reported and received score increases on EX. EQ MyFICO alert on 5/4, TU alert on 5/6 for same account which changed all F8 scores to date. But EX shows all but EX3 increased on 5/2.
Well I canceled my holdout of pulling my MyFICO 3 B report, waiting for WF accounts to report. Not sure I can determine anything this month or possibly anytime soon if reporting continues to be late or non existent.
EQ was at 849 for a while and is the only bureau with WF updates and my score went to 850 with a simply report of $160 decrease on an account still with a balance of $1940 (19.44% to 17.96%) and only dropping my AGG UTL from 4.71% to 4.61%, although my auto is extremely late and not reported. My TU was at 846 and went to 850 when my that same and only $160 decrease revolver reported. Although I may not be able to get the full affect with EX at 842, nothing of note has reported to see if there's any movement in F8. My others scores did tick up slightly (not all) with the same $160 decrease in UTL.
Like some members who like to note testing by people with high scores may not be relevant, not sure I can provide much data for this specific test I thought at least EX might reveal.
Can't always quantify with close to 850 scores but can sometimes determine action/movement with F8's.
@Anonymous wrote:Did that drop to $1940 from $2100? Just wondering if there's thresholds at $1000 intervals.
Maybe the percentages don't matter that much on the high end scorecards (lots of payment history, high credit limits, etc.). My 1% is only $290, after all.
Yep. $2100 to $1940 and I do now believe it's dollar thing. It might very well be intervals of 1K because the report of that account alone to EX took me from 840 to 842. It's a 6yr 0% deal so I've been throwing money at my MTG and slowly paying this account. I might just go ahead and bring that down below 1K to test it.
But I do not get high limit cards. I do have a 20K & 25K but had those limits when I had a lot of CC debt and scores weren't near what they are. With 800 scores it seems I can't get anything above 5K, not that that's pennies. I don't think my history over the past 3-4 years show enough spend to get high limit cards and definitely not CLI's.