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Re: AZEO: Reporting frustrations
Each CRA has their own update days.Being the weekend it may take a day or 2 longer. It will eventually pop. Like banks that do system maintenance.











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Re: AZEO: Reporting frustrations
@NYC_Fella wrote:I temporarily (and intentionally) broke AZEO as I wanted to change the "one" card on which I was carrying a balance. So I was at all-zero on September 27 which dropped my FICO 8 scores by ~18 points as expected. I expected a balance to be reported on my new "one" card on October 5 causing my scores to bounce back.
But for some reason, only EQ is showing the updated balance and the resultant score increase, while EX and TU are still showing last month's zero balance so the scores are still artificially depressed. Is there a way to force an update? I would like all 3 scores to be optimized before I apply for new credit.
Following up on that thought, would the score reduction (702 to 684) have an impact on credit decisions, or would the scores be considered to be in the same group?
It's very possible it has been reported, but you don't have confirmation of that yet. So if it's important enough you might want to get updated reports from TU and EX.































Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 684 EX 685
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Re: AZEO: Reporting frustrations
@FireMedic1 wrote:Each CRA has their own update days.Being the weekend it may take a day or 2 longer. It will eventually pop. Like banks that do system maintenance.
Thanks. It popped today and the score went back up.
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Re: Just another AZEO data point
@Sub16610 wrote:
@NYC_FellaCurios to know the result of your finding "In 3 days another card will report in with a balance and I will be back to AZEO with total utilization 1% and individual card utilization <5%. Curious to see how much the score bounces back by. Will report back."
The card with the balance reported and the score went up by 18 points, back to exactly where it was, as predicted by @FireMedic1 upthread.
@FireMedic1 wrote:More than likely you'll be right back where you started before @AllZero . LOL!!!!!! Sorry just had to.
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Re: AZEO: Reporting frustrations
I'm having the same issue. I paid off almost $3k last month on multiple cards none of them had updated on TU or EQ but they updated real quickly when my balances were high...smh
January 2022
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Re: Just another AZEO data point
Excellent! Congrats! Its all a number game.











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Re: AZEO: Reporting frustrations
@NYC_Fella wrote:I temporarily (and intentionally) broke AZEO as I wanted to change the "one" card on which I was carrying a balance. So I was at all-zero on September 27 which dropped my FICO 8 scores by ~18 points as expected. I expected a balance to be reported on my new "one" card on October 5 causing my scores to bounce back.
But for some reason, only EQ is showing the updated balance and the resultant score increase, while EX and TU are still showing last month's zero balance so the scores are still artificially depressed. Is there a way to force an update? I would like all 3 scores to be optimized before I apply for new credit.
Following up on that thought, would the score reduction (702 to 684) have an impact on credit decisions, or would the scores be considered to be in the same group?
I have a few cards reporting the balance of august.
>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's
TCL - about 110k
Retired since 2017
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Re: AZEO: Reporting frustrations
@NYC_Fella wrote:
@FireMedic1 wrote:Each CRA has their own update days.Being the weekend it may take a day or 2 longer. It will eventually pop. Like banks that do system maintenance.
Thanks. It popped today and the score went back up.
Excellent. Congrats @NYC_Fella !












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Re: AZEO: Reporting frustrations
I was attempting to optimize this cycle as well, in preparation for an auto app. I implemented AZEO+AU for the first time and getting my Self Credit Builder loan below 8%. Everything updated as usual except for the Self loan. I filed a dispute with Experian.com and all 3 CRAs updated within 3 days. Added an extra 8 points on top of AZEO pop.
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Re: AZEO: Reporting frustrations
I'm also preparing to see my "final" rebuild FICO 8 scores around November 1st. AZEO and total utilization less than 1% ($20). Then the following month I'll show a balance on one card of around $250 which will be around 2% TU.
I started my rebuild December 30, 2019. I gave myself a two year window. So come the first of January I will be golden, as I am ahead of schedule.