I hear you. Nothing I can change at this point except pay it off and watch my score continue to climb.
From rapidly paying off my cards post divorce, my EX score seems to be driven mostly by aggregate. Even the FICO primer seems to focus on aggregate. How much individual matters, I have no idea.
FICO8 scores 7/19/25
TU: 773
EX: 767
EQ: 772
1/12 & 0/24
