That is really interesting. If I'm reading your posts in the other threads correctly, I see the following:
Regardless, if this is true for my profile and score card, I could drop the AU. That would give me the following benefits:
If all of that worked out, I might be able to get my mid-mortgage from 699 the 720 band instead of aiming for 700. Hmmmm.....
It was part of the original opening 7 months ago. The card itself is only 7-months old. We got it for the 0% intro period.
FWIW, we added as AU to my wife's Bank of America Americard and it back dated things 15 years! I've only known her 5 years!
There are 8 revolvers total (4 AU and 4 non-AU). I only carry a balance on 1 AU card. I've been keeping a small balance on a non-AU card because I was going for AZEO (for some reason, I was thinking that AU didn't apply to mortgage scores but only applied to the newer scores - boneheaded on my part and completely backwards). As a result, I've been AZE2 for mortgage purposes thinking I was AZEO.
Per the a few posts earlier, I may drop myself from that AU that carries a balance to get AoYA <12 mos. I can get to AZEO with or without it (if AUs will get AZEO benefit for mortgage scores).
In short, I'm usually at 2/8 but thought I was at 1/4 due to my AU/Mortgage mix-up. I can be 1/8 or 1/7 easily.
If you don’t mind, how about listing the negative reason codes for each of your three mortgage scores.