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@Anonymous wrote:Very interesting. It would be cool to see some more testing on this. Was it the 58% account crossing the 48.9% threshold? Perhaps landing somewhere in the 28.9%-48.9% range would be insightful if that's a possibility at some point.
My preference would be to never again have a 58% account Or an 82% or even a 38% account
This was not a test. Repeat. This was not a test.
Interesting. Do you usually see a variance across reason statements from the 2 different sources?
@Anonymous wrote:Interesting. Do you usually see a variance across reason statements from the 2 different sources?
I never paid attention to that. But will look into it.
Of greater concern to me is that experian.com just wrecked its user interface, by removing the ability to quickly ascertain account balances. Previously, in the "accounts" view, one could readily identify the accounts and the balances, and could easily create different views with the ability to reorder by different variables. All of that functionality is gone, and a fixed list is provided with inadequate account information on each entry and no ability to reorder. This greatly diminishes the value of the experian consumer-facing service.
Wow, that sounds like a poor move. Hopefully enough noise is made to get that issue rectified.
@Anonymous wrote:Wow, that sounds like a poor move. Hopefully enough noise is made to get that issue rectified.
They are so clueless (or indifferent) they do not even provide a place for feedback. So they'll never hear the 'noise'.
@Anonymous wrote:
SJ Would you pls list which cards and the corresponding limits for that #1 and #2 card?
Would make sense if highest card was excluded, at least under the conventional theory, but maybe NRB525 is correct.
did you only see score change and reason code shift on version 8?
The highest utilization percentages were on smaller limit accounts, one was a 15k account, the other a 10k account.
@Anonymous wrote:
SJ were they credit union cards?
1 was a credit union card
1 was a credit union PLOC
I can't imagine why it makes a difference to you.