How long does it take before your profile hits 800+ FICO 8 without an active installment loan?

[BrutalBodyShots]

@crystal626, on both clean/thick/mature scorecards (New Revolver and No New Revolver) EX8 is bulletproof to AWB% changes, unlike TU8 and EQ8. As for other scorecards, I cannot say. When it comes to percentage, 33% verses 50%, I'm not sure anything has been nailed down with conclusiveness. That could again be due to variances among scorecards. We're talking a tiny single-digit number of points though regardless at/around those threshold points, so definitely insignificant.

[crystal626]

Well this next month is going to be the most optimized I can realistically get without paying off balances before the statement, which I don't like to do. Total dollar amount should be well under $2K, 4/18. I can do this thanks to Chase giving me 9% on groceries and dining this quarter, which took both Custom Cashes out of rotation.

[Thomas_Thumb]

So does that mean you will be going from 9 of 18 (50%) cards reporting balances to 4 of 18 (22%)? If correct, score boost might be 6-8 points - imo. IIRC your total number of open accounts is 20 with no open loans. Two LOC accounts but at $0 balance - yes?

Also, newest revolver was opened Oct 2025. Of course aging AoYRA to 12 months should add 15-20 point and propel your score above 810.

Then you can put surpassing Fico 8 800 on your completed bucket list.

[crystal626]

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@Thomas_Thumb wrote:

So does that mean you will be going from 9 of 18 (50%) cards reporting balances to 4 of 18 (22%)? I recall you mentioning 20 open accounts but no loans. Two accounts are LOC at $0 balance - yes? Score boost might be 6-8 points, imo. 

Newest revolver opened Oct 2025. Of course that card hitting 12 months is the 15-20 point score booster that could propel your score above 810.

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Yes I will be going down to 4 cards with a balance and I have two LOCs at a $0 balance, that's correct. The highest utilization percentage will be on Apple Card at ~11%, which I can't do anything about right now unless I take money out of savings. 

I should have no problem hitting 0/12 at this point. I have no immediate major purchases on the horizon and just plan to get a new card with 0% to finance Christmas gifts.

[BrutalBodyShots]

@crystal626 

Here's a little bit of data that may be of use to you. A while back, I went from 100% AWB down to AZ on my cards (to incur the AZ penalty) and then went back up to 100% AWB, charting score shifts along the way in both directions. I was on a clean/thick/mature/no new revolver scorecard at the time. I had a total of 8 credit cards at the time, plus 1 mortgage, or 9 total open accounts. The mortgage has a balance by default, so even when at AZ with my cards (and incurring the AZ penalty) I was at 1 of 9 or 11% AWB. As I mentioned previously, no movement at all on EX8 with the test with of course the AZ penalty being the exception (-22 points). 

Surrounding the percentages you were questioning, on TU8 I saw +1 point in moving from 55% AWB to 44% AWB. Then I saw +4 points moving from 44% to 33%. I saw no further gains below 33%. On EQ8, I saw nothing going from 55% AWB to 44% AWB. Then I saw +2 point moving from 44% to 33%. I finally saw +4 points moving from 33% to 22%. This would suggest a 33% (or 30%?) threshold on EQ8 that doesn't exist on TU8, at least for that scorecard. As I suggested in my previous comment though, we're talking very tiny amounts of score movement. 

Big picture wise, I only saw 15 points total on TU8 and 11 points total on EQ8 in moving from 100% AWB down to "ideal" (no further gains) just before incurring the AZ penalty.

[crystal626]

@BrutalBodyShots Thank you for all of that info, that's very helpful. I guess we will see if my scores move much then.

[crystal626]

Got an alert from Capital One today. My last scoreable inquiry fell off of TransUnion, bumping my score from 782 to 789. 11 points to go.

[BrutalBodyShots]

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@crystal626 wrote:

Got an alert from Capital One today. My last scoreable inquiry fell off of TransUnion, bumping my score from 782 to 789. 11 points to go.

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The inquiry fell off of your TU report? How old was it? Typically inquiries fall off at 2 years. If that's the case, it was no longer scoreable a year prior, as hard inquries are only scoreable under FICO models for 365 days. Or maybe by "fell off" you simply mean that it reached 365 days of age and is no longer scoreable?

[crystal626]

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@BrutalBodyShots wrote:

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@crystal626 wrote:

Got an alert from Capital One today. My last scoreable inquiry fell off of TransUnion, bumping my score from 782 to 789. 11 points to go.

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The inquiry fell off of your TU report? How old was it? Typically inquiries fall off at 2 years. If that's the case, it was no longer scoreable a year prior, as hard inquries are only scoreable under FICO models for 365 days. Or maybe by "fell off" you simply mean that it reached 365 days of age and is no longer scoreable?

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I mean it reached 365 days.

[BrutalBodyShots]

Gotcha, that makes more sense.

You said you got an alert of this? Can I ask what it said specifically? I'm not sure I've ever seen a CMS alert to an inquiry becoming unscorable. I've seen alerts to them dropping off of a credit report since that's a very obvious report data changing event which is easily alertable.