EDITED % in Subject (see post 9):
I probably should have waited until I pulled all 3 Classic 8 scores but although min, EX classic, bankcard and auto 8 increased by 2 pts today. In regard to "other" breakpoints I recall CassieCard finding one below 4%. Can't find the post but trying to figure out if that is AGG or IND.
I increased my # of accts reporting from 4 to 5 (3 rev/2 installments) and only saw an expected decrease in CC2 and CC3 when 4 accts/% of accts has been my sweet spot. Surprisingly my EX MTG didn't drop as it always has with 5/13 reporting. But I actually received a slight increase in 8's which seldom move. After the additional acct reported making 5/13 AGG UTL increased from from 4.84 to 4.90%, awaiting the last revolver to drop AGG to 4.64%, less than prior month.
But 1 of the previously existing revolvers dropped from 5.98% to 3.98% while AGG actually increased to date. So I'm wondering if the below 4% is IND as it appears to be the reason for me or AGG which takes me back to the drawing board.
If <4% is a thing for all bureaus then I guess I'll see when EQ and TU update for that individual account as the last revolver to report doesn't have a report balance as of date until 4/3.
Birdman7...I think you're in tune with CassieCard's research. Do you know if the <4% is AGG or IND in case she doesn't chime in?
@Anonymous to the white courtesy telephone.
@AllZero wrote:
What?! Yay! AllZero! This is it.
Well for CassieCard it supports my EX change but it is was individual not AGG. Will see about the others in a few days. But what may be disputed in that post by others is the age considering CassieCard has a young file where mine is far from young and from what I'm told qualifies as thick, definitely not thin.
Proves that testing is important. But with so many profile aspects who really knows. All we can do is share 
@Trudy wrote:I probably should have waited until I pulled all 3 Classic 8 scores but although min, EX classic, bankcard and auto 8 increased by 2 pts today. In regard to "other" breakpoints I recall CassieCard finding one below 4%. Can't find the post but trying to figure out if that is AGG or IND.
I increased my # of accts reporting from 4 to 5 (3 rev/2 installments) and only saw an expected decrease in CC2 and CC3 when 4 accts/% of accts has been my sweet spot. Surprisingly my EX MTG didn't drop as it always has with 5/13 reporting. But I actually received a slight increase in 8's which seldom move. After the additional acct reported making 5/13 AGG UTL increased from from 4.84 to 4.90%, awaiting the last revolver to drop AGG to 4.64%, less than prior month.
But 1 of the previously existing revolvers dropped from 5.98% to 3.98% while AGG actually increased to date. So I'm wondering if the below 4% is IND as it appears to be the reason for me or AGG which takes me back to the drawing board.
If <4% is a thing for all bureaus then I guess I'll see when EQ and TU update for that individual account as the last revolver to report doesn't have a report balance as of date until 4/3.
Birdman7...I think you're in tune with CassieCard's research. Do you know if the <4% is AGG or IND in case she doesn't chime in?
I don't think it's nearly as clear, or as well defined, as you seem to feel it is. In my profile, I experience boosts in FICO 8 all the way down from 9% to 1%, seemingly whenever I drop a rounded off integer. I'm sure other profiles react differently.
@SouthJamaica wrote:I don't think it's nearly as clear, or as well defined, as you seem to feel it is. In my profile, I experience boosts in FICO 8 all the way down from 9% to 1%, seemingly whenever I drop a rounded off integer. I'm sure other profiles react differently.
Actually SJ, I don't think any of this is clear or well defined
. Just find it interesting and often helpful, the sharing of our personal data points which vary by profile.
Thanks for that reminder HeavenOhio. I heard that mentioned before regarding MTG scores.
I didn't update my spreadsheet from my planned payments to what actually happened and mistakenly noted <4%, when crossed threshold was 6% (that would have been the case had I not unexpectedly had to use another line of credit this cycle.) I'll edit the Subject.
Although I believe the integer concept, on Classic 8's (EX and TU so far) I'm wondering if it's a %? In fact I dropped below 6% gaining 2 on EX and 1 on TU. This has happened before. I'll do some testing on both score models and see how my profile reacts.
@Trudy wrote:Thanks for that reminder HeavenOhio. I heard that mentioned before regarding MTG scores.
I didn't update my spreadsheet from my planned payments to what actually happened and mistakenly noted <4%, when crossed threshold was 6% (that would have been the case had I not unexpectedly had to use another line of credit this cycle.) I'll edit the Subject.
Although I believe the integer concept, on Classic 8's (EX and TU so far) I'm wondering if it's a %? In fact I dropped below 6% gaining 2 on EX and 1 on TU. This has happened before. I'll do some testing on both score models and see how my profile reacts.
When I say an integer I mean an integer in the percentage. I.e. going from rounded 8% to rounded 7% to rounded 6% etc. In my profile they have all looked like thresholds.