All of my accounts report between the 24th and 10th, with the exception of my MTG with EX, always a little later (the 16th this month). Seems once my MTG reported, which reports later than my auto on all 3B, I received a small increase with no other factors coming into play in mid-July.
TU
+3 6/12 when INQ reached 1 yr.
-7 7/2 when AG CC UTL exceeded 8.9% (13%)
+1 when 2nd installment reported taking UTL from 76% to 75%
EX
+1 6/12 when INQ reached 1 yr.
-3 6/29 when AG CC UTL exceeded 8.9% (13%)
+4 when 2nd installment reported taking UTL from 76% to 75%
EQ
No clue as there were no MyFico updates in June.
+3 6/7 from EX 3B reports (no clue why)
+6 7/1 reported thru MyFico. This is exactly what I lost for INQ 6/12/18 and received no updates from MyFico in June. 1 CC had not reported to show higher CC UTL, MTG nor auto reported. (determined thru CK)
-8 7/3 reported thru MyFico, same score on 7/7 EX 3B report and 7/9 MyFico qtrly report. Final CC reported (clear on 7/7 and 7/9) bringing AG CC UTL above 8.9% (13%), auto reported, but MTG still not updated, installment UTL still at 76%. No alerts from MyFico but MTG shows updated on 7/13 CK report. Won't know F8 score impact until an alert comes from MyFico which it hasn't to date or when I get my 8/7 report from EX 3B. Will be interesting to see if no other update from MyFico before August as for next cycle CC UTL will still be slightly over 8.9% (2 cards still less than 28% above 10% individually), same # of accts reporting a balance, but will have reached an AoYA of 1yr…..so will not be able to clearly see the effect of AoYA or installment UTL as it will probably be combine.
No other activity, no other age factors except INQ reaching 1yr on 6/12 which is accounted for above. AoYA will reach 1yr in August.
The only movement I saw for all 3B seems to be going from 5% AG UTL to 13%. = loss. Installment loans going from 76% to 75% = small gain. F8 scores increased slightly with EX and TU. Unable to clarify with EQ due to no updates with new MTG balance.
Not much gain for me but seems it could be an installment threshold. Thoughts?
I have 2 installment loans. I noted the non clear evidence with EQ as both loans have not been reported in score changes because I've had no updates for EQ on MyFico or other Fico score providing sites for me with an update to my MTG balance. The other 2 bureau's pt gain was after both bureaus reported updated balances for both installment loans.
However, I've receive emails from a few CMS (WalletHub, EX, CK, credit.com) not MyFico that my auto loan has reached 25% UTL which is actually 23%+ UTL. Makes me wonder if that individual threshold has some validity although everything I've learned here is installment loans is AG UTL only which is the reason for the OP. All of the information I provided in the OP was AG UTL. It's either 75% AG UTL is a threshold or a non validated less than 25% individual installment Unless I received some early AoYA pts, nothing else would account for those few pts in mid July to my knowledge.