Just another AZEO data point

[NYC_Fella]

So I'm temporarily at AZE2 for a few days. No ding on the EX 08 score. This is the second time in 6 months. Maybe my low utilization (4% last time, 1% this time) offsets the effect of breaking AZEO? For context, dirty file with a BK7. 

[Anonymous]

AZEO is not guaranteed to provide a score boost over having more than one card with a balance. AZEO is promoted heavily because it optimizes all of the scoring factors that contribute the amount of debt score category. Accounts with balance, utilization (both individual and aggregate), and balance (individual and aggregate) all contribute to the amount of debt category. AZEO optimizes all of those by promoting having only 1 revolving AWB, minimal utilization and minimal balance. Not all thresholds have been discovered, and a dirty scorecard can certainly affect what thresholds are present, so it is hard to say where the maximum points are awarded. A person with multiple tradelines may be at the most optimized threshold for AWB but have multiple cards reporting balances, so they aren't going to see a benefit from AZEO.

AZEO should be implemented when you are apping for something that you want the best chances of approval for. In normal month to month scenarios I am far from implementing AZEO and I prefer it that way. I can see how much of an impact balances, utilization, and number of accounts with a balance have on my scores.

[Kforce]

I haven't tested this in years however I also see no or only a point difference between AZEO and AZE2.

[SouthJamaica]

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@NYC_Fella wrote:

So I'm temporarily at AZE2 for a few days. No ding on the EX 08 score. This is the second time in 6 months. Maybe my low utilization (4% last time, 1% this time) offsets the effect of breaking AZEO? For context, dirty file with a BK7. 

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In my experience AZEO is pretty much meaningless for FICO 8 scores. 

Where it  has more significance is in the older scoring models, most notably the mortgage scores.

[expatCanuck]

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@SouthJamaica wrote:

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@NYC_Fella wrote:

So I'm temporarily at AZE2 for a few days. No ding on the EX 08 score. This is the second time in 6 months. Maybe my low utilization (4% last time, 1% this time) offsets the effect of breaking AZEO? For context, dirty file with a BK7. 

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In my experience AZEO is pretty much meaningless for FICO 8 scores. 

Where it  has more significance is in the older scoring models, most notably the mortgage scores.

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Absolutely.  And it's not just 1 card in 3 reporting, either.  One means one.  If you have 2 cards reporting (rather than just one), your mortgage score will almost certainly take a hit.

[bachi607]

Thank you for helpful DPs

[NRB525]

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@NYC_Fella wrote:

So I'm temporarily at AZE2 for a few days. No ding on the EX 08 score. This is the second time in 6 months. Maybe my low utilization (4% last time, 1% this time) offsets the effect of breaking AZEO? For context, dirty file with a BK7. 

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How many total CC revolvers do you have? Thus, what percentage of cards is 1/x vs the 2/x ?

[NYC_Fella]

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@NRB525 wrote:

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@NYC_Fella wrote:

So I'm temporarily at AZE2 for a few days. No ding on the EX 08 score. This is the second time in 6 months. Maybe my low utilization (4% last time, 1% this time) offsets the effect of breaking AZEO? For context, dirty file with a BK7. 

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How many total CC revolvers do you have? Thus, what percentage of cards is 1/x vs the 2/x ?

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I have 8 primary plus 4 AU. So as primary, the percentages would be 12.5% for AZEO and 25% for AZE2.

[NYC_Fella]

Went from AZEO to AZE2 to AZE3 and now to AZE4 over the last few months as an experiment. No drop in EX 08 score at all.

Dirty thick files seem insensitive to AZEX as long as total utilization is below 5%. At least in my case!

[SouthJamaica]

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@NYC_Fella wrote:

Went from AZEO to AZE2 to AZE3 and now to AZE4 over the last few months as an experiment. No drop in EX 08 score at all.

Dirty thick files seem insensitive to AZEX as long as total utilization is below 5%. At least in my case!

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FICO 8's of clean thick files are also insensitive to it, in my experience.