Any ideas as to how many points I'll lose on FICO 8 if I were to go from 2/5 reporting with under 9% aggregate and well below any individual thresholds (from past experience I lose ~4pts over 29% individual) to roughly 11-13% aggregate? I would still be under individual thresholds. I have somewhat heavier spend than usual this month and I'd prefer not to have to play games and payoff early to not tank my score temporarily. if I had a clean profile I wouldn't care since I'm not planning to apply for any other cards, loan, or a mortgage soon. Since have a dirty profile for another 3+ years, I worry about AA being taken since the models just look at the eported balance and don't account for PIF.
Edit: corrected a bunch of typos
I would not expect much change.
Of course, YMMV.
@Zoostation1 wrote:Any ideas as to how many points I'll lose on FICO 8 if I were to go from 2/5 reporting with under 9% aggregate and well below any individual thresholds (from past experience I lose ~4pts over 29% individual) to roughly 11-13% aggregate? I would still be under individual thresholds. I have somewhat heavier spend than usual this month and I'd prefer not to have to play games and payoff early to not tank my score temporarily. if I had a clean profile I wouldn't care since I'm not planning to apply for a mother cards loan, or a mortgage soon. Since have a dirty profile for another 3+ years, I worry about AA being taken since the models don't just look at thhe eported balance and don't account for PIF.
Moving from 9% aggregate to 11-13% aggregate will probably cost you in the neighborhood of 5-10 points in FICO 8's and 9's.
I really wouldn't worry about this, I've let some wild individual util %s post and no one has ever taken AA. Playing the CLI game let me get breathing room (Amex is a clutch anchor in particular) so aggregate util stays in reasonable territory even when individual util on the lower limit cards blasts off into space lol.
Although it's worth noting, my pattern of spend reveals that I PIF despite letting all cards report balances every month. The timing of when I spend most and when the statement dates are kind of creates this cycle of alternating heavy and light months where a high balance is followed by a trivial one and then back to a high one and then to a trivial one. Lenders are much more at-ease if you are broadcasting PIF payment behavior, although I don't do this intentionally.
One of the downsides of paying off accounts before the statement date or AZEO or AZEx is that large balances may look out of place when you do need to spend heavily and that could spook someone. If you just let these things post naturally, they become part of your normal behavior. Ironically, being stuck on a dirty profile makes me not care about the point hit of higher util or higher util. By the time I get to go clean, around the same timeframe as you will be, util will have fixed itself over time through CLIs and maybe a few more cards to spread spend out. At that time, I plan to just be able to spend whatever I normally want, let it all report, and it'll be single digits both aggregate and individual. Likewise, my scores will be fixed just by going clean. All this stuff will solve itself without active intervention.
VS4: 709
@DXnessI was an AZEO adherent earlier in my rebuild but gave that up and don't plan to go back to it except briefly to maximize scores if I ever apply for a mortgage.