Is this the right AZEO formula?

[Anonymous]

I've never been able to pull this off.  Something always ends up slipping. But this month I think I've got it.  Would this work?

-Discover: $49 reported on 3/5 off $1800 limit 

-Amex Delta Gold: $0 about to report on 5/13 off $1000 limit 

-Capital One: $0 about to report on 5/14 off $500 limit.  

I have no other credit cards.  

My Ex is 679, TU is 739 and EQ is 703.

Could I expect anything if all remains the same as above?

[Anonymous]

Yes, what you're doing is AZEO.

[Anonymous]

In theory, would this trigger a little bump?

Or any bump?

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@Anonymous wrote:

Yes, what you're doing is AZEO.

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[AllZero]

Agreed with angelwingz

What was your previous # of cards reporting a balance and utilization % versus the future AZEO?

[Anonymous]

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@Anonymous wrote:

In theory, would this trigger a little bump?

Or any bump?

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@Anonymous wrote:

Yes, what you're doing is AZEO.

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It depends what your utilization was like  last month. If you crossed a threshold such as bringing your aggregate utilization down below 8.9% than yes.

[Anonymous]

My over all UTL last month was like 1%.  But my CapitalOne was over 13% which is technically where I failed the AZEO formula?  See below.  That Capital One is as of last month.  So that will go to $0 and I just paid off the Amex so that will stay $0 too.

[AllZero]

^ You'll gain points.

Aggregate utilization is optimized. Individual utilization was not bad either.

You were at 67% of cards reporting a balance. Now, you'll be 33% of cards reporting a balance. I don't recall estimated points gain. If I come across it, I'll post up.

[Anonymous]

Thank you... Just to be clear though, that discover you see in the screenshot is from 3/5 so it's already posted.  I had 1 out of 3 repeating last month also but I think where I failed the formula is the Capital One individual ult was over 8.9%.   

So this month that's not the case.  And I'm letting my discover report vs the Capital One. 

[AllZero]

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@Anonymous wrote:

Thank you... Just to be clear though, that discover you see in the screenshot is from 3/5 so it's already posted.  I had 1 out of 3 repeating last month also but I think where I failed the formula is the Capital One individual ult was over 8.9%.   

So this month that's not the case.  And I'm letting my discover report vs the Capital One. 

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If you were 1/3 last month and 1/3 this month. Then, you were at AZEO for both months. You should not see any score change.

For individual utilization, over 28.9% appears to be the threshold for most before score penalty. Aggregate utilization over 8.9% is another score penalty.