EX Individual Tradeline utilization 33.2%

[Anonymous]

I went from 1/15 to 2/15 on EX FICO 8, which causes no loss on my profile.
Well ag. Util 1% to 1%.
Ind. util
Card 1=1%
0% to 22.51% on card 2

-3 points. I’ll check the rest of them when I get time later. Nothing else changed Obvious culprit individual utilization.

AoYA 11 mo
AooA over 25yr
AAoA 80 mo

***** I had to correct that from 1/15 to 2/15.

[Anonymous]

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@Anonymous wrote:
AoYA 11 mo
AooA > 25yr
AAoA 80 mo

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Are you going to be at 1 year AoYA on August 1st?

[Anonymous]

As long as a new installment account posting doesn’t catch me, yes! 😉

[Anonymous]

I apologize that I haven’t posted the rest of the scores yet. A lot of issues have kept me busy and I’ve been unable to sit down at my PC or take the time to try to do it via browser on my phone yet but I promise I will try to do it soon!

[Anonymous]

OK score report finally. I went from 1/15 to 2/15 on EX FICO 8, which causes no loss on my profile.
Well ag. Util 1% to 1%.
Ind. util
Card 1=1%
Card 2=0% to 22.51%
No other changes.

Classic 8 -3
EX2 -5
AU8 -3
AU2 -5
BC8 -3
BC3 -11
BC2 -7

Another interesting tidbit. My number 4 negative reason code was accounts with a balance at 2/15. It disappears at 1/15 with nothing to replace it!

Also Experian specifically gave me an alert about the percentage increasing that correlated with a score ding alert. So there’s apparently a breakpoint somewhere between zero and 22 on my scorecard.

[SouthJamaica]

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@Anonymous wrote:
OK score report finally. I went from 1/15 to 2/15 on EX FICO 8, which causes no loss on my profile.
Well ag. Util 1% to 1%.
Ind. util
Card 1=1%
Card 2=0% to 22.51%
No other changes.

Classic 8 -3
EX2 -5
AU8 -3
AU2 -5
BC8 -3
BC3 -11
BC2 -7

Another interesting tidbit. My number 4 negative reason code was accounts with a balance at 2/15. It disappears at 1/15 with nothing to replace it!

Also Experian specifically gave me an alert about the percentage increasing that correlated with a score ding alert. So there’s apparently a breakpoint somewhere between zero and 22 on my scorecard.

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I wouldn't put any credence in the alerts themselves.

[Anonymous]

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@SouthJamaica wrote:

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Also Experian specifically gave me an alert about the percentage increasing that correlated with a score ding alert. So there’s apparently a breakpoint somewhere between zero and 22 on my scorecard.

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I don't know anything at all about Experian alerts being related to score changes, so I'm asking a legit question here.  Does it work differently than MF which we all know can be very misleading/confusing to people in them always thinking that an alert is the reason for the score change?

[Anonymous]

You cannot rely on the Experian alerts either but they definitely correlate way better than MyFICO. The reason is because they’re not delayed. However, again if you’ve got a busy file that just makes it harder. That’s why I try to control my variables and isolate my changes to only one change at a time. (But they definitely correlate a much higher degree of the time.)

It is worth noting the MyFICO service may combine several score changes with one alert, because it’s several days delayed.

That’s not true with Experian, so that’s why they are better and more often correlate.

[SouthJamaica]

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@Anonymous wrote:

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@SouthJamaica wrote:

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Also Experian specifically gave me an alert about the percentage increasing that correlated with a score ding alert. So there’s apparently a breakpoint somewhere between zero and 22 on my scorecard.

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I don't know anything at all about Experian alerts being related to score changes, so I'm asking a legit question here.  Does it work differently than MF which we all know can be very misleading/confusing to people in them always thinking that an alert is the reason for the score change?

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They're not related to score changes. The only relation is that EX has a user-configured alert you can get telling you of a score change.

Also, the alerts, in my experience, have always been exactly one day late. I.e. I receive the alert a day after I already know anything it has to say.

The value of the EX service is that it is essentially real time. Each day the report and 7 scores are updated when you log in. If there is a score change one day, and there was a change in the data that same day, and you can be CERTAIN that there was only one change in the data, it's the best way I have yet to find of knowing whether some change in the data changed the score, and to what extent.

To have delayed alerts is pretty pointless in that context.

And the score alert -- which I could easily disable if I chose, or limit if I chose -- is obviously unrelated to anything other than the provision of entertainment value.

[Anonymous]

Small edit/addition ***
Actually the alerts are not usually a day late, they just usually occur the second or third time you login after 3 AM or sometime later in the day. I frequently login right after 3 AM without an alert and log back in a second time and then the alert(s) are there. I think they do this to give you another reason to login and another reason to send you an email.

For example, I logged in and I had my balance increased on my new CR. I logged in again and I got the balance change alert. I logged in again and I got the alert for increased utilization on said card. After carefully scrutinizing the data in the credit report there were no other changes. Consequently I conclude since there is no other change in the data in the CR, that the increase in individual utilization on that card caused the point loss because I can go to three accounts on EX8 with a balance before I get a ding and that was only the second account with a balance.

And as I said to begin with, no you cannot count on them; however they are much more often correct than MyFICO‘s because the delay is way shorter. The longer time goes by, the more changes that can occur making it even more difficult for the alert to have any significance whatsoever.

However, again, if you control for variables and only change one thing at a time, You will see that change on your daily credit report and then typically receive an alert following it up that more often than not is on point.

Nevertheless no one can rely on anything other than the direct data in the credit report to be 100% certain, You cannot go by any alerts. But the ones from Experian at least have a small amount of worth, whereas MFs are so late and conflated as to be worthless typically, except to let you know a balance posted at TU or EQ.

Also I guess I should’ve wrote that better because it seemed kind of taken out of context, like I was making my conclusion based upon the alert. I was not. To be clear, my conclusion was based on everything that preceded my conclusion, not the one sentence that preceded it.