I was expecting a big shift in my EX scores with a large increase in one of my revolving balances, increasing from 0 to 26%, increasing rounded overall utilization from 6% to 9%, and increasing number of accounts with balances from 11 to 12.
And it happened in FICO 8, Auto 8, and Bankcard 8, but not in FICO 2:
FICO 8 -7
Auto 8 -9
Bankcard 8 -7
FICO 2 +-0
Update 12/26/18 5:30 PM
It appears that the effect on TU & EQ FICO 8's was:
EQ FICO 8 -4
TU FICO 8 -6
Unfortunately I have no way of knowing the effect, if any, on the corresponding mortgage scores without paying a bunch of money.
I never got those swings even in FICO 8 when I was explicitly testing on a dirty scorecard: will see when my 56% balance gets whacked in two weeks when Chase reports again (apparently I didn't reach $0 long enough heh) and check if anything moves.
I do know that the various models do have different breakpoints, just a matter to tease them out now that we have better access to the information from some of the other models, specifically Experian.
Actually just found something interesting looking at the data.
Had an auto inquiry on 11/23; appears to be counting against me finally on 12/23. 0->1 inquiries on EX.
FICO 8 and associated industry options didn't budge.
FICO 2/3 and industry options all dropped ~10 points. I don't think the grace period extended in FICO 8 which suggests 0-1 binned together on EX FICO 8 and not on the earlier models.
Hooray for better data access!