Figured I'd share some DPs that might back up @SouthJamaica 's findings when he was comparing FICO 2 vs FICO 8 found here. I'm at the tier thresholds on a few accounts and wanted to track what the changes will be. My reports have no baddies or HPs and nothing closing soon so UTIL should be the only factor. I won't be able to update EQ and TU until early next month.
NOTE: You'll see some accounts update with different UTIL from the previous update but I'm not making updates unless scores change just to keep things a little cleaner.
FICO 2 vs FICO 8 High Utilization
11.05.21 - Aggregate - %56 - EX 767 / EQ 774 / TU 762
Account 1 - %73
Account 2 - %64
Account 3 - %57
Account 4 - %30
11.10.21 - Aggregate - %45 - EX 771 (+4)
Account 1 - %50
Account 2 - %50
Account 3 - %57
Account 4 - %30
11.15.21 - Aggregate - %45 - EX 771 (no change)
Account 1 - %50
Account 2 - %50
Account 3 - %57 (this should update this week to below %50)
Account 4 - %28 (down from %30)
11.18.21 - Aggregate - %43 - EX 780 (+9)
Account 1 - %50
Account 2 - %50
Account 3 - %47 (down from %57)
Account 4 - %28
12.12.21 - Aggregate - %37 - EX 808 (+28) / EQ 805 (+31) / TU 792 (+30)
Account 1 - %34 (down from %50 also had $3k CLI)
Account 2 - %45 (down from %50)
Account 3 - %47
Account 4 - %28
Account 5 - %17 (previously 0, oops, will be PIF before statement close)
12.19.21 - Aggregate - %31 - EX 780 (was 785 after my app spree hard pulls and 1 new account then dropped 5pts with one account going back over %50)
Cap1 - %34
Cap1 - %45
BBY Visa - %62 (Up front %47)
THD - %28
Kohls - %17
Verizon Visa - %0
01.12.22 - Aggregate - %12 - EX 795 (+15)
Cap1 - %0 ($42 balance but shows %0 usage, $13k CL)
Cap1 - %0
BBY Visa - %62 (this will be updating to about %15)
THD - %28
Kohls - %0
Verizon Visa - %4
01.14.22 - Aggregate - %17 - EX 780 (-15)
Cap1 - %0 ($42 balance)
Cap1 - %0
BBY Visa - %62 (this will be updating to about %15)
THD - %28
Kohls - %0
Verizon Visa - %4
Chase FF - %64 (%0 interest BT from BBY Visa)
01.16.22 - Aggregate - %30 - EX 753 (-27)
Cap1 - %0 ($42 balance)
Cap1 - %0
BBY Visa - %62 (this will be updating to about %15)
THD - %28
Kohls - %0
Verizon Visa - %4
Chase FF - %64 (%0 interest BT from BBY Visa)
FNBO - %83 (new account with both Cap1 BTs with %0 interest)
@JFox418 wrote:Figured I'd share some DPs that might back up @SouthJamaica 's findings when he was comparing FICO 2 vs FICO 8 found here. I'm at the tier thresholds on a few accounts and wanted to track what the changes will be. My reports have no baddies or HPs and nothing closing soon so UTIL should be the only factor. I won't be able to update EQ and TU until early next month.
FICO 2 vs FICO 8 High Utilization
11.05.21 - Aggregate - %56 - EX 767 / EQ 774 / TU 762
Account 1 - %73
Account 2 - %64
Account 3 - %57
Account 4 - %30
11.10.21 - Aggregate - %45 - EX 771 (+4)
Account 1 - %50
Account 2 - %50
Account 3 - %57
Account 4 - %30
The key is to get under 50% 
@SouthJamaica wrote:
@JFox418 wrote:Figured I'd share some DPs that might back up @SouthJamaica 's findings when he was comparing FICO 2 vs FICO 8 found here. I'm at the tier thresholds on a few accounts and wanted to track what the changes will be. My reports have no baddies or HPs and nothing closing soon so UTIL should be the only factor. I won't be able to update EQ and TU until early next month.
FICO 2 vs FICO 8 High Utilization
11.05.21 - Aggregate - %56 - EX 767 / EQ 774 / TU 762
Account 1 - %73
Account 2 - %64
Account 3 - %57
Account 4 - %30
11.10.21 - Aggregate - %45 - EX 771 (+4)
Account 1 - %50
Account 2 - %50
Account 3 - %57
Account 4 - %30
The key is to get under 50%
Yeh I messed that one up this month. LOL I read your article AFTER I already made the payments. I figure it's a good starting point now to see where it goes from here.
11.15.21 - Aggregate - %45 - EX 771 (no change)
Account 1 - %50
Account 2 - %50
Account 3 - %57 (this should update this week to below %50)
Account 4 - %28 (down from %30)
Nice little surprise this morning as one of my balances updated. I'm really curious what's going to happen early next month when the two drop below %50. I'm not sure I'll have the funds to get one down to %28 but below %50 looks promising for a score bump.
11.18.21 - Aggregate - %43 - EX 780 (+9)
Account 1 - %50
Account 2 - %50
Account 3 - %47 (down from %57)
Account 4 - %28
Exciting update today!
12.12.21 - Aggregate - %37 - EX 808 (+28) / EQ 805 (+31) / TU 792 (+30)
Account 1 - %34 (down from %50 also had $3k CLI)
Account 2 - %45 (down from %50)
Account 3 - %47
Account 4 - %28
Account 5 - %17 (previously %0, oops, will be PIF before statement close)
@JFox418 wrote:Exciting update today!
12.12.21 - Aggregate - %37 - EX 808 (+28) / EQ 805 (+31) / TU 792 (+30)
Account 1 - %34 (down from %50 also had $3k CLI)
Account 2 - %45 (down from %50)
Account 3 - %47
Account 4 - %28
Account 5 - %17 (previously %0, oops, will be PIF before statement close)
I told you. That 50% threshold is a big one.
Onward to below 30% where there will be some more improvement.
Try to break out EX 2 from EX 8, because my little discovery has altered the advice I've been giving folks on improving their mortgage scores.
@Anonymous wrote:Are you at AZEO on all revolving TLs?
No. Look at the latest update with todays date. All 5 accounts are reporting balances. I had some very high utilization on each account and have been paying them down through the tiers to see what happens as I progress. My file is clean besides balances. Like others have been saying, you see some score bumps when an account goes below %50, or below %30. Ideally under %10 is where I want to be but I have a ways to go still.