I'm really glad @Revelate introduced me to the fun world of paying attention to negative reason codes.
In my EX report 2 revolving accounts, 1 at 35%, the other at 28%, dropped to zero, bringing my overall utilization down from rounded 8% (actual 7.9%) to rounded 6% (actual 5.5%), and the number of accounts with balances down from 11/33 to 9/33. Not surprisingly the FICO 2 score increased by 5 points.
But the fun part is the negative reason codes.
Yesterday there was "High Credit Usage".
Today, in its stead, there is "Not Using Revolving Credit".
Give me a break; is there no middle ground?
It reminds me of the line from "Once and Future King", in the ant colony, where there are signs posted saying "Everything not forbidden is compulsory" 
For EX 2, March 1 report, I have both reason codes in 3rd and 4th spot. UTI is 13% rounded. 2/7 accounts with balances. 1/6 revolvers.
High credit usage
You've made heavy use of your available revolving credit.
The FICO® Score evaluates balances in relation to available credit on revolving accounts . The extent of a person's credit usage is one of the most important factors considered by a FICO® Score. People who keep their ratio of balances to credit limits lower are generally considered less risky to lenders than those with higher ratios.
Note, consolidating or moving debt from one account to another will usually not change the total amount owed.
Not using revolving credit
There are no recent balances on your revolving and/or open-ended accounts.
Your credit report shows no recent balances on your revolving and/or open-ended accounts. People with low balances on their revolving and/or open-ended accounts are generally less risky to lenders.
High credit usage
You've made heavy use of your available revolving credit.
The FICO® Score evaluates balances in relation to available credit on revolving accounts . The extent of a person's credit usage is one of the most important factors considered by a FICO® Score. People who keep their ratio of balances to credit limits lower are generally considered less risky to lenders than those with higher ratios.
Note, consolidating or moving debt from one account to another will usually not change the total amount owed.
Not using revolving credit
There are no recent balances on your revolving and/or open-ended accounts.
Your credit report shows no recent balances on your revolving and/or open-ended accounts. People with low balances on their revolving and/or open-ended accounts are generally less risky to lenders.
@AllZero wrote:
For EX 2, March 1 report, I have both reason codes in 3rd and 4th spot. UTI is 13% rounded. 2/7 accounts with balances. 1/6 revolvers.
High credit usage
You've made heavy use of your available revolving credit.
The FICO® Score evaluates balances in relation to available credit on revolving accounts . The extent of a person's credit usage is one of the most important factors considered by a FICO® Score. People who keep their ratio of balances to credit limits lower are generally considered less risky to lenders than those with higher ratios.
Note, consolidating or moving debt from one account to another will usually not change the total amount owed.
Not using revolving credit
There are no recent balances on your revolving and/or open-ended accounts.
Your credit report shows no recent balances on your revolving and/or open-ended accounts. People with low balances on their revolving and/or open-ended accounts are generally less risky to lenders.
The very same day?
Yeah I got that with my HELOC when it was at 93% or whatever and appears you might be able to get that with all credit union cards even or limits >= 35k as another. Not every tradeline counts in all parts of the algorithm.
What is the revolver you have a balance on AllZero and what balance vs limit on each?
What is the revolver you have a balance on AllZero and what balance vs limit on each?
@Revelate wrote:
Yeah I got that with my HELOC when it was at 93% or whatever and appears you might be able to get that with all credit union cards even or limits >= 35k as another. Not every tradeline counts in all parts of the algorithm.
What is the revolver you have a balance on AllZero and what balance vs limit on each?
Individual CL <35K so should be fine for FICO algorithm.
I forgot to enter the individual UTI. I did too many edits in my previous post before it spam filter locked me out.
PFCU revolver. Individual utility was 5887/10000. 59% rounded.
@AllZero wrote:
@Revelate wrote:
Yeah I got that with my HELOC when it was at 93% or whatever and appears you might be able to get that with all credit union cards even or limits >= 35k as another. Not every tradeline counts in all parts of the algorithm.
What is the revolver you have a balance on AllZero and what balance vs limit on each?Individual CL <35K so should be fine for FICO algorithm.
I forgot to enter the individual UTI. I did too many edits in my previous post before it spam filter locked me out.
PFCU revolver. Individual utility was 5887/10000. 59% rounded.
Goes to my working theory that CU cards (or some) are excluded: EX FICO 2 absolutely excluded my DCU tradelines from the revolving activity metric and like you that's how I had both high credit usage and no revolving activity on my report at the same time.
SJ had a slew of CU accounts and wind up with that too, I don't recall what they all were but moral of the story is when your FICO score counts and absolutely when chasing a mortgage, do AZEO on a national bankcard, of 25k or less limit or whatever to be absolutely safe.
@Revelate wrote:
@AllZero wrote:
@Revelate wrote:
Yeah I got that with my HELOC when it was at 93% or whatever and appears you might be able to get that with all credit union cards even or limits >= 35k as another. Not every tradeline counts in all parts of the algorithm.
What is the revolver you have a balance on AllZero and what balance vs limit on each?Individual CL <35K so should be fine for FICO algorithm.
I forgot to enter the individual UTI. I did too many edits in my previous post before it spam filter locked me out.
PFCU revolver. Individual utility was 5887/10000. 59% rounded.
Goes to my working theory that CU cards (or some) are excluded: EX FICO 2 absolutely excluded my DCU tradelines from the revolving activity metric and like you that's how I had both high credit usage and no revolving activity on my report at the same time.
SJ had a slew of CU accounts and wind up with that too, I don't recall what they all were but moral of the story is when your FICO score counts and absolutely when chasing a mortgage, do AZEO on a national bankcard, of 25k or less limit or whatever to be absolutely safe.
To what does your working theory -- that some or all credit unions are excluded -- apply? I.e., from what are they excluded? On EX Credit Works they certainly appear to be counted for number of accounts, utilization percentages, age of accounts, etc. Is it just the "revolving activity metric", and if so what does that mean, if anything, in practical terms for one's scores?