It's not the size of the trade line (well large ones north of maybe 30K get discounted too, 25K works though) it's the issuer. On the older EX FICO 2 score it appears to discount revolving trade lines from some CUs. Ultimately if you truly care test it. I only put the amount in there as a 27K HELOC could be considered squirrelty on some but the exact same thing happened on a $500 limit CC from DCU too.
$500 from Cap1, proceed with confidence.
@Revelate wrote:On the older EX FICO 2 score it appears to discount revolving trade lines from some CUs. Ultimately if you truly care test it. I only put the amount in there as a 27K HELOC could be considered squirrelty on some but the exact same thing happened on a $500 limit CC from DCU too.
$500 from Cap1, proceed with confidence.
Oh, it was a CU card, I misread.
Do the newer FICOs do better about counting CU cards? The general consensus is just never to use a CU card for AZEO.
@GZG wrote:
@Revelate wrote:On the older EX FICO 2 score it appears to discount revolving trade lines from some CUs. Ultimately if you truly care test it. I only put the amount in there as a 27K HELOC could be considered squirrelty on some but the exact same thing happened on a $500 limit CC from DCU too.
$500 from Cap1, proceed with confidence.
Oh, it was a CU card, I misread.
Do the newer FICOs do better about counting CU cards? The general consensus is just never to use a CU card for AZEO.
They do but one of the tenets of this forum is keep the advice simple and applicable to all.
Ultimately we don't know what someone is applying for, and a mortgage explicitly uses scores from 20-25 years ago at this point. You will rarely run across those elsewhere except at some credit unions typically, but since a mortgage is by far the largest credit decision people make, we just tend to suggest don't use a CU card or a store card, just use a national bank card at or under 25K limit and that works for everyone.
I think someone got a datapoint that anything less than 30K works, but I know empathtically that 25K is safe. Most people with revolving trade lines that large will have options anyway.
@Curious_George2 wrote:
@Revelate wrote:
@GZG wrote:
@Revelate wrote:On the older EX FICO 2 score it appears to discount revolving trade lines from some CUs. Ultimately if you truly care test it. I only put the amount in there as a 27K HELOC could be considered squirrelty on some but the exact same thing happened on a $500 limit CC from DCU too.
$500 from Cap1, proceed with confidence.
Oh, it was a CU card, I misread.
Do the newer FICOs do better about counting CU cards? The general consensus is just never to use a CU card for AZEO.
They do but one of the tenets of this forum is keep the advice simple and applicable to all.
Ultimately we don't know what someone is applying for, and a mortgage explicitly uses scores from 20-25 years ago at this point. You will rarely run across those elsewhere except at some credit unions typically, but since a mortgage is by far the largest credit decision people make, we just tend to suggest don't use a CU card or a store card, just use a national bank card at or under 25K limit and that works for everyone.
I think someone got a datapoint that anything less than 30K works, but I know empathtically that 25K is safe. Most people with revolving trade lines that large will have options anyway.
That was me. Using a plain vanilla bankcard as the "one" in my AZEO tests, I got the all-zero penalty on EX2 when the card's limit was $30k. When I lowered that card's limit to $29,900, the penalty vanished. It would be great if other people ran confirming tests!
Nice thank you senor!
i'n in no touch credit mode currently, actually have been for over two years now without even realizing it. **bleep** COVID haha.
@Revelate wrote:
@Curious_George2 wrote:
@Revelate wrote:
@GZG wrote:
@Revelate wrote:On the older EX FICO 2 score it appears to discount revolving trade lines from some CUs. Ultimately if you truly care test it. I only put the amount in there as a 27K HELOC could be considered squirrelty on some but the exact same thing happened on a $500 limit CC from DCU too.
$500 from Cap1, proceed with confidence.
Oh, it was a CU card, I misread.
Do the newer FICOs do better about counting CU cards? The general consensus is just never to use a CU card for AZEO.
They do but one of the tenets of this forum is keep the advice simple and applicable to all.
Ultimately we don't know what someone is applying for, and a mortgage explicitly uses scores from 20-25 years ago at this point. You will rarely run across those elsewhere except at some credit unions typically, but since a mortgage is by far the largest credit decision people make, we just tend to suggest don't use a CU card or a store card, just use a national bank card at or under 25K limit and that works for everyone.
I think someone got a datapoint that anything less than 30K works, but I know empathtically that 25K is safe. Most people with revolving trade lines that large will have options anyway.
That was me. Using a plain vanilla bankcard as the "one" in my AZEO tests, I got the all-zero penalty on EX2 when the card's limit was $30k. When I lowered that card's limit to $29,900, the penalty vanished. It would be great if other people ran confirming tests!
Nice thank you senor!
i'n in no touch credit mode currently, actually have been for over two years now without even realizing it. **bleep** COVID haha.
As a Moderator Emeritus you know you're not allowed to say ***bleep**** in this forum.
@SouthJamaica wrote:
As a Moderator Emeritus you know you're not allowed to say ***bleep**** in this forum.
Actually I am pretty sure the word I used was not censored the last time I was even semi-active on this forum haha.
It is seriously restrictive but I digress. **bleep** gets the point across 
.