Another interesting note is that my Citi card reported 5 days ago with a balance of $1. The statement balance is $1.17 and I don't know how I missed that. Have I mentioned how sensless the FICO algorithms are (especially the mortgage scores)? That $1 balance is going to be another tradeline with balance and it won't update for nearly a month because I paid it today. I wish it updated $0 balances immediately like Chase. For what it's worth, it is still showing as $0 on EQ because it updates Citi about a week later. It should update today, but I won't have access to another mortgage score until next month. So ridiculous.
With that $1 Citi balance, that puts me at 10 accounts with a balance out of 15 total. This includes all revolvers (AU and non-AU) and all open installment accounts, but no paid-off installment loans. It also doesn't include the $87 collection that is only on EQ. For EQ, it may be 11 of 16. When that $1 reports as paid off, that will get me to 9 of 15. I don't see a way to get below 50% without messing up my AZEO. I'm carrying a $9,000 balance on a 0% AU card. I keep a small balance (currently $195) on a non-AU card for AZEO purposes. If I pay off that $195, the only revolver I will have is on the AU card and it is believed that the AZEO with the 1 card being an AU card doesn't work. Given how antiquated the mortgage scores are, will this hold true on TU4?
I could get below 50% # of accounts with a balance (8 of 15) but my AZEO would become only an AU card with a balance. If I'm really stuck, it might be worth the experiment if I can't get above 699 mid-mortgage anyway.
If I pay off my smallest installment account, I lose an account with a balance in the numerator but I also lose a total account in the denominator. That would only get me to 8 of 14 and it would take $4,000 to pay it off.
I could open another revolver and keep it at $0 but that would hurt my age and be another HP. I might need to see if my wife has another $0 balance card that can become an AU for me. I don't think she has any other cards other than a store card, which may do more damage than good (although going from 1 to 2 consumer finance accounts is probably less hurtful than going from 0 to 1).
Ah, but I just realized that I'm not getting the benefit of AZEO anyway because the AU card has a balance. Keeping the $195 balance on the Capital One (non-AU) for purposes of AZEO is dumb because an AU card isn't $0 (at least for mortgage score purposes anyway; doesn't apply to FICO 9). I can easily take all of my non-AU cards to $0. I would only have a balance on an AU card but still wouldn't bet below 50% # of accounts with a balance (8 of 15).
If AZEO doesn't work on AU cards, maybe I should just remove myself as an AU on the 0% AMEX that carries a balance. That would get me whatever benefit comes from AZEO (non-AU). Might do the trick.
I see that your post from a different thread (pasted below) shows that AZEO w/AU as the 1 works for EX2. If so, it's not a stretch to think that it might hold up for TU4 and EQ5. I think I'll give it a go unless someone already knows that it doesn't work.
Yes, the AU card with a balance is a national card. It is an AMEX. Not a branded card (i.e. Marriott, etc.). Just a conventional AMEX.
AAoA is 42 months included closed/paid-off installment accounts. If I removed the closed/paid-off installment accounts from the equation, AAoA is 39 months. I have the 2 month old auto loan (from having to buy a new car after my car being totaled and paid-off by the other driver's insurance) and a 7 month-old AU card. Everything else is more than 12 months old.