Installment Loan Utilization % Data points

[randomguy1]

Loan finally updated on Experian today. 

EX +16

in symmarh 

FICO 8

EX +16 pts

EQ + 26 pts
TU + 18 pts

[AllZero]

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@randomguy1 wrote:

Loan finally updated on Experian today. 

EX +16

in symmarh 

FICO 8

EX +16 pts

EQ + 26 pts
TU + 18 pts

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Those are nice increases. No movement on EX2?

[randomguy1]

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@AllZero wrote:

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@randomguy1 wrote:

Loan finally updated on Experian today. 

EX +16

in symmarh 

FICO 8

EX +16 pts

EQ + 26 pts
TU + 18 pts

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Those are nice increases. No movement on EX2?

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I will update that on 8/14. I won't have an update score for EX2 from Experian then. My credit.com subscription for all 28 FICOs reports on 9/3. However that might be have other scorig factors done by then. 

Do you or does anyone know if AU reporting at zero affects the mortgage scores? I have one AU card on EX\TU and if currently reports at zero but will report at under 6% on my credit reports in the next few days. The balance updates on the 5th and takes a few days to hit the CRs. I'm pretty sure I received 14 point ding last month on 7/8 (when it reported) on my EX FICO 8. 

[AllZero]

From my understanding, best practice for EX2 is true AZEO. AU card needs to report zero.

For EX8 AZEO + AU card reporting a small balance.

See post from calyx.

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Update-FICO2-experiment-is-it-worth-it/t...

[randomguy1]

I will need to check EX FICO 2 next week when it's available then. As of now, the AU reported. 

I got back exactly the 14 pts I lost on EX FICO 8. 

Edit: I forgot I can see the FICO 2 with Experian right away. F2 dropped 7 pts with AU reporting with a small balance vs at zero

AZEO w AU reporting at a smal balance

EX FICO 8 - 741

EX FICO 2 - 723

AZEO w AU reporting at zero

EX FICO 8 - 727

EX FICO 2 - 730

[randomguy1]

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@randomguy1 wrote:

I will need to check EX FICO 2 next week when it's available then. As of now, the AU reported. 

I got back exactly the 14 pts I lost on EX FICO 8. 

Edit: I forgot I can see the FICO 2 with Experian right away. F2 dropped 7 pts with AU reporting with a small balance vs at zero

AZEO w AU reporting at a smal balance

EX FICO 8 - 741

EX FICO 2 - 723

AZEO w AU reporting at zero

EX FICO 8 - 727

EX FICO 2 - 730

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TU FICO 8 did not have any movement with my AU going from reporting $0 to $13 while AZEO on my other cards. Score is 716. 

EQ does not have the AU reporting.