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.