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You've been incredibly helpful. Here's what I'm thinking I may do:
I need to keep checking TU4 data points to see if there is a a 50% # of accts w/balances. If so, I could consider paying off my newest and lowest balance installment (around $4,000). That would move me from 8 of 15 (53%) ----> 7 of 14 (50%). I doubt I do this because the $4k is a substantial chunk.
As a reminder, I'm looking to move TU4 from 693 to 700 (or 720) or EQ5 from 699 to 700 (or 720). EX2 is at 724. EQ5 is the only one that has the $87 collection. I'm still baffled that it is higher than TU4 given that TU4 doesn't have a collection. Maybe the 30-day lates from 3+ years ago make me dirty in the eyes of TU4 and dirty is dirty, regardless of whether it's a collection, a 30-day late, or both. Maybe dirty is just dirty and the mortgage scores hang on to old mistakes whereas the newer scores are "what have you done for me lately."
I also need to figure out if I can strong-arm citi into a mid-cycle reporting to take my $1 balance down to $0. I would just use it as my 1 in the AZEO for this month but my utilization would be too low. It would be $1 out of $64,050. But if I drop the AU AMEX, that will got to $44,050.
Quick question:
What do you think would be better looking through only through the lens of TU4 and EQ5?
Basically, would the $1 utilization out of $44,050 be considered AZ and not get the AZEO benefit? I feel stuck between AZ and AZE2 because Citi reported a $1 balance and will not mid-cycle update. That $1 feels like it is just enough to hurt me but too small to help me.
NOTE: I'm aware of the potential for a Citi update via your discussion with others via the thread linked below. I'm looking at the options above in case the Citi mid-cycle attempts are fruitless.
Citi Mid-Cycle Thread: https://ficoforums.myfico.com/t5/General-Credit-Topics/Off-Cycle-Update-Mid-Cycle-Update-to-Credit-R...