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

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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: 10/01/20 AU 8 BC 8
FICO - 9: 10/01/20 AU 9 BC 9
F5,F4,F2 10/01/20 AU... BC...
Vantage 10/01/20
AoOA - 24Y7M | AoYA – 1Y1M | AAoA – 12Y2M
Open: 10 CC: (1 reporting 13.99% : 2.95% AGG UTL) | 1 PLOC | 1 MTG loan: 74.95% UTL | 1 Auto loan: 0.82% UTL
Closed: 1 MTG loan | 1 Auto loan | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 0/24 | (EX) 1/24
Message 21 of 26
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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. 

For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 22 of 26
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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

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

Message 23 of 26
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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: 10/01/20 AU 8 BC 8
FICO - 9: 10/01/20 AU 9 BC 9
F5,F4,F2 10/01/20 AU... BC...
Vantage 10/01/20
AoOA - 24Y7M | AoYA – 1Y1M | AAoA – 12Y2M
Open: 10 CC: (1 reporting 13.99% : 2.95% AGG UTL) | 1 PLOC | 1 MTG loan: 74.95% UTL | 1 Auto loan: 0.82% UTL
Closed: 1 MTG loan | 1 Auto loan | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 0/24 | (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! 😉

For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 25 of 26
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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: 10/01/20 AU 8 BC 8
FICO - 9: 10/01/20 AU 9 BC 9
F5,F4,F2 10/01/20 AU... BC...
Vantage 10/01/20
AoOA - 24Y7M | AoYA – 1Y1M | AAoA – 12Y2M
Open: 10 CC: (1 reporting 13.99% : 2.95% AGG UTL) | 1 PLOC | 1 MTG loan: 74.95% UTL | 1 Auto loan: 0.82% UTL
Closed: 1 MTG loan | 1 Auto loan | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 0/24 | (EX) 1/24
Message 26 of 26
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