Impressive Score Drop

[OmarR]

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@Anonymous wrote:

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@OmarR wrote:

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AZEO only gains me 3 points on FICO8.

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AZEO relative to what though?  You could be talking going from 2 of 3 revolvers to 1 of 3 revolvers, or going from 2 of 20 revolvers to 1 of 20 revolvers, for example.

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AZEO relative to not AZEO.

I am talking about one card reporting a $15-$20 balance versus two cards each reporting $15-$20.

I am not talking about going from 2 of 3 revolvers to 1 of 3 revolvers, or going from 2 of 20 revolvers to 1 of 20 revolvers. But somehow you are.

[OmarR]

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@HeavenOhio wrote:

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@Anonymous wrote:

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@OmarR wrote:

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AZEO only gains me 3 points on FICO8.

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AZEO relative to what though?  You could be talking going from 2 of 3 revolvers to 1 of 3 revolvers, or going from 2 of 20 revolvers to 1 of 20 revolvers, for example.

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Or it could be a single card with a balance change.

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NO.

See my previous post.

[Revelate]

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@OmarR wrote:

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@Anonymous wrote:

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@OmarR wrote:

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AZEO only gains me 3 points on FICO8.

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AZEO relative to what though?  You could be talking going from 2 of 3 revolvers to 1 of 3 revolvers, or going from 2 of 20 revolvers to 1 of 20 revolvers, for example.

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AZEO relative to not AZEO.

I am talking about one card reporting a $15-$20 balance versus two cards each reporting $15-$20.

I am not talking about going from 2 of 3 revolvers to 1 of 3 revolvers, or going from 2 of 20 revolvers to 1 of 20 revolvers. But somehow you are.

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Because at least on all my data it's factored into the number of revolving tradelines you have.

So yes, it's relevant not only how many revolvers with balances, but also how many revolvers you have.  That's why there's been questions as to 1->2 out of how many, and also what score are you looking at?

FWIW I might expect that on my current EQ FICO 8 if I had 6 cards and going from 1/6 -> 2/6.

[OmarR]

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@Revelate wrote:

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@OmarR wrote:

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@Anonymous wrote:

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@OmarR wrote:

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AZEO only gains me 3 points on FICO8.

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AZEO relative to what though?  You could be talking going from 2 of 3 revolvers to 1 of 3 revolvers, or going from 2 of 20 revolvers to 1 of 20 revolvers, for example.

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AZEO relative to not AZEO.

I am talking about one card reporting a $15-$20 balance versus two cards each reporting $15-$20.

I am not talking about going from 2 of 3 revolvers to 1 of 3 revolvers, or going from 2 of 20 revolvers to 1 of 20 revolvers. But somehow you are.

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Because at least on all my data it's factored into the number of revolving tradelines you have.

So yes, it's relevant not only how many revolvers with balances, but also how many revolvers you have.  That's why there's been questions as to 1->2 out of how many, and also what score are you looking at?

FWIW I might expect that on my current EQ FICO 8 if I had 6 cards and going from 1/6 -> 2/6.

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Since going from 3 revolvers in 2017 at a score ~760 to (now) 10 revolvers at 800+ scores, it's only been a 3pt game for me. My number of revolvers has never affected that.

This is for FICO8 on all 3 tradelines. But since I recently hit 846 on EQ, that one does not see a loss anymore.

[Girlzilla88]

I took mine up to 99% and lost roughly 100 points so bad yes but not as bad as I thought it would kill it

[Anonymous]

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@OmarR wrote:

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AZEO relative to not AZEO.

I am talking about one card reporting a $15-$20 balance versus two cards each reporting $15-$20.

I am not talking about going from 2 of 3 revolvers to 1 of 3 revolvers, or going from 2 of 20 revolvers to 1 of 20 revolvers. But somehow you are.

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Of course you're going from 2 accounts with a reported balance to 1, as we all know the definition of moving to AZEO.  You're only referencing half of the equation though, the numerator, while leaving out the denominator - your total number of revolvers.  Since the percentage of accounts with a balance plays a factor, it's necessary to bring up that part of the equation.  Cornelius may move from 2 --> 1 account with a balance and see a 3 point gain.  Rupert may move from 2 --> 1 account with a balance and see a 10 point gain.  The reason for the difference could be that Cornelius has 5 total revolvers, where Rupert has only 3 total revolvers.

[OmarR]

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@Anonymous wrote:

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@OmarR wrote:

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AZEO relative to not AZEO.

I am talking about one card reporting a $15-$20 balance versus two cards each reporting $15-$20.

I am not talking about going from 2 of 3 revolvers to 1 of 3 revolvers, or going from 2 of 20 revolvers to 1 of 20 revolvers. But somehow you are.

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Of course you're going from 2 accounts with a reported balance to 1, as we all know the definition of moving to AZEO.  You're only referencing half of the equation though, the numerator, while leaving out the denominator - your total number of revolvers.  Since the percentage of accounts with a balance plays a factor, it's necessary to bring up that part of the equation.  Cornelius may move from 2 --> 1 account with a balance and see a 3 point gain.  Rupert may move from 2 --> 1 account with a balance and see a 10 point gain.  The reason for the difference could be that Cornelius has 5 total revolvers, where Rupert has only 3 total revolvers.

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My total revolvers are referenced in my signature.

[Anonymous]

Rather than expecting people to count your revolvers in a signature, it would be more helpful when discussing a factor directly related to number of revolvers to simply disclose that number in your text response so that members like myself, Rev, etc. that inquired would have been in the know.

[OmarR]

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@Anonymous wrote:

Rather than expecting people to count your revolvers in a signature, it would be more helpful when discussing a factor directly related to number of revolvers to simply disclose that number in your text response so that members like myself, Rev, etc. that inquired would have been in the know.

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My accurate profile is in my signature.

I don't expect you (or anyone else) to count the revolvers in my signature. But if you choose to try and audit my post but than fully ignore my signature, than that is on you, not me.

It's not that hard.

[Anonymous]

I think you're failing to realize that myself (and Rev) were actually trying to help you understand something that you weren't getting/considering.  If you don't want the feedback and/or choose to make it more difficult to receive it the chances of you moving forward without gaining knowledge is greater.  That choice is in fact yours.  I'm done with this thread.