cancel
Showing results for 
Search instead for 
Did you mean: 

Individual card below 29%, Aggregate below 9% - Still Lost points

Highlighted
Established Contributor

Re: Individual card below 29%, Aggregate below 9% - Still Lost points



Just want to add additional score movement with 1 card reporting 27.72% and Agg 5.84%.  Signed up for Credit.com's Extra Credit and received all scores on 9/1.  Keep in mind I'm unable to determine actual point gain/loss due to AoYA reaching 1 year 9/1 (scorecard reassignment) but considering the loss on many...I'm grateful for the 1Y mark Smiley Wink  All 8's up likely due to AoYA but not the others.  This seems to support my past experience with TU totally freaking out about UTL dollars.

 

Auto:

9 = EQ 900 to 885,  TU 900 to 877, EX 888 to 885

8 = EQ 877 to 882, TU 888 to 896

5 = EQ 834 to 825

4 = TU 870 to 840

 

 

Bankcard

9 = EQ 890 to 869, TU 890 to 865

8 = EQ 884 to 887 , TU 891 to 899

5 = EQ 839 to 824

4 = EQ 841 to 809

 

All other EX scores provided in original and a later post.

FICO - 8: 11/19/20 AU 8 BC 8
FICO - 9: 11/19/20 AU 9 BC 9
F5,F4,F2 11/19/20 AU... BC...
Vantage 11/19/20
As of 11/19/20:
AoOA - 24Y8M | AoYA – 0Y0M | AAoA – 11Y6M
Open: 11 CC: (1 reporting 3.53% : 0.74% AGG UTL) | 1 PLOC | 1 MTG loan: 73.16% UTL
Closed: 1 MTG loan | 2 Auto loans | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 1/24 | (EX) 1/24
Message 21 of 26
Highlighted
Super Contributor

Re: Individual card below 29%, Aggregate below 9% - Still Lost points


@Trudy wrote:


Just want to add additional score movement with 1 card reporting 27.72% and Agg 5.84%.  Signed up for Credit.com's Extra Credit and received all scores on 9/1.  Keep in mind I'm unable to determine actual point gain/loss due to AoYA reaching 1 year 9/1 (scorecard reassignment) but considering the loss on many...I'm grateful for the 1Y mark Smiley Wink  All 8's up likely due to AoYA but not the others.  This seems to support my past experience with TU totally freaking out about UTL dollars.

 

Auto:

9 = EQ 900 to 885,  TU 900 to 877, EX 888 to 885

8 = EQ 877 to 882, TU 888 to 896

5 = EQ 834 to 825

4 = TU 870 to 840

 

 

Bankcard

9 = EQ 890 to 869, TU 890 to 865

8 = EQ 884 to 887 , TU 891 to 899

5 = EQ 839 to 824

4 = EQ 841 to 809

 

All other EX scores provided in original and a later post.


@Trudy so come to find out AoYA appears to be a length of history scoring factor, while AoYRA is the new credit segmentation factor. Kind of like AoORA is a scoring factor while AoOA is the segmentation factor.

 

Unless a loan, AoYA = AoYRA, just like AoORA = AoOA, unless the profile had an installment loan as the first account. 

-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Oct 2020 New Account Scorecard.Nov 2020, No New Account Scorecard (reassignment conflated with aging. EX9 not updated yet. Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.


RIP:
(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 22 of 26
Highlighted
Valued Contributor

Re: Individual card below 29%, Aggregate below 9% - Still Lost points


@Trudy wrote:


Just want to add additional score movement with 1 card reporting 27.72% and Agg 5.84%.  Signed up for Credit.com's Extra Credit and received all scores on 9/1.  Keep in mind I'm unable to determine actual point gain/loss due to AoYA reaching 1 year 9/1 (scorecard reassignment) but considering the loss on many...I'm grateful for the 1Y mark Smiley Wink  All 8's up likely due to AoYA but not the others.  This seems to support my past experience with TU totally freaking out about UTL dollars.

I suspect there is much, much more going on behind the scenes with the commonly reference utilization thresholds, and it involves a mix of percentage and balances. A percentage alone can't tell the whole story.

 

I really don't disagree that much with @SouthJamaica 's viewpoint on this issue. I think a good general util % guideline/chart is still beneficial.

 

It's data like yours, @Trudy , that will help narrow it down. I can't really add good, clean evidence with testing since everything is already very sensitive on new-to-credit profiles.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

Message 23 of 26
Established Contributor

Re: Individual card below 29%, Aggregate below 9% - Still Lost points


@CassieCard wrote:

@Trudy wrote:


Just want to add additional score movement with 1 card reporting 27.72% and Agg 5.84%.  Signed up for Credit.com's Extra Credit and received all scores on 9/1.  Keep in mind I'm unable to determine actual point gain/loss due to AoYA reaching 1 year 9/1 (scorecard reassignment) but considering the loss on many...I'm grateful for the 1Y mark Smiley Wink  All 8's up likely due to AoYA but not the others.  This seems to support my past experience with TU totally freaking out about UTL dollars.

I suspect there is much, much more going on behind the scenes with the commonly reference utilization thresholds, and it involves a mix of percentage and balances. A percentage alone can't tell the whole story.

 

I really don't disagree that much with @SouthJamaica 's viewpoint on this issue. I think a good general util % guideline/chart is still beneficial.


I agree.

FICO - 8: 11/19/20 AU 8 BC 8
FICO - 9: 11/19/20 AU 9 BC 9
F5,F4,F2 11/19/20 AU... BC...
Vantage 11/19/20
As of 11/19/20:
AoOA - 24Y8M | AoYA – 0Y0M | AAoA – 11Y6M
Open: 11 CC: (1 reporting 3.53% : 0.74% AGG UTL) | 1 PLOC | 1 MTG loan: 73.16% UTL
Closed: 1 MTG loan | 2 Auto loans | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 1/24 | (EX) 1/24
Message 24 of 26
Highlighted
Super Contributor

Re: Individual card below 29%, Aggregate below 9% - Still Lost points


@CassieCard wrote:

@Trudy wrote:


Just want to add additional score movement with 1 card reporting 27.72% and Agg 5.84%.  Signed up for Credit.com's Extra Credit and received all scores on 9/1.  Keep in mind I'm unable to determine actual point gain/loss due to AoYA reaching 1 year 9/1 (scorecard reassignment) but considering the loss on many...I'm grateful for the 1Y mark Smiley Wink  All 8's up likely due to AoYA but not the others.  This seems to support my past experience with TU totally freaking out about UTL dollars.

I suspect there is much, much more going on behind the scenes with the commonly reference utilization thresholds, and it involves a mix of percentage and balances. A percentage alone can't tell the whole story.

 

I really don't disagree that much with @SouthJamaica 's viewpoint on this issue. I think a good general util % guideline/chart is still beneficial.

 

It's data like yours, @Trudy , that will help narrow it down. I can't really add good, clean evidence with testing since everything is already very sensitive on new-to-credit profiles.


@CassieCard I don't know Cassie, it being more sensitive makes everything magnified, so it might actually be easier, keeping all other things constant. Look at the data points you've already gathered.

 

If we can just get you a few more CLIs so you can go higher without breaking 9%, we might be able to find out! 😉

-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Oct 2020 New Account Scorecard.Nov 2020, No New Account Scorecard (reassignment conflated with aging. EX9 not updated yet. Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.


RIP:
(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 25 of 26
Highlighted
Established Contributor

Re: Individual card below 29%, Aggregate below 9% - Still Lost points

Just wanted to add to this....although I crossed whole dollars and %.

I saw the score changes and could not imagine what caused it until I realized the revolver with a balance reported a couple of days early on EX. 

 

ccx.png

 

FICO - 8: 11/19/20 AU 8 BC 8
FICO - 9: 11/19/20 AU 9 BC 9
F5,F4,F2 11/19/20 AU... BC...
Vantage 11/19/20
As of 11/19/20:
AoOA - 24Y8M | AoYA – 0Y0M | AAoA – 11Y6M
Open: 11 CC: (1 reporting 3.53% : 0.74% AGG UTL) | 1 PLOC | 1 MTG loan: 73.16% UTL
Closed: 1 MTG loan | 2 Auto loans | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 1/24 | (EX) 1/24
Message 26 of 26
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.