Largest CL that still counts towards UTL

[Anonymous]

I'm new to this concept of certain large CL being excluded from scoring so please forgive the naivety of my question:

If a CL is excluded as too large, does that card's usage (balance) also get excluded?

[Anonymous]

Yes exactly. That’s why even though you carry a balance you can still get the no revolving balance penalty because it’s excluded and it appears that you’re at zero on all cards, when in reality the excluded account has a balance.

This can really screw somebody up if they’re going for a mortgage.

I think it’s also excluded from the number of accounts/revolvers with the balance metric, but hopefully someone can confirm this.

[iced]

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@FinStar wrote:

If you are approved by PenFed it will count.  Their max exposure across all CCs is $50K. 

Something to keep in mind about PenFed's recent policies was a cap of $25K being placed on recent CLIs or reallocations.  You'll have to check with them to see whether that's still viable.  Nonetheless, even if $50K was possible, it would still factor into the FICO utilization formulas.

I have not tested any recent DPs as far as which FICO version excludes specific revolving tradelines, but at one point, anything north of $70K (single revolver) was excluded in the older versions.   A few that I have above $100K were excluded the last time I checked. 

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Wait, $70k is the cut-off now? The only cards I ever have a balance report on is a NPSL (so $0) and a card with a $90k limit. Am I shooting myself in the foot with AZEO and not even realizing it?

[Remedios]

@iced , you could be, to the tune of 20 something points.

Pretty easy to test, allow a different card to report a balance and see if there are any scoring changes

The experiment wont work if you're firmly planted at 850s, and have large enough of a buffer to absorb the points loss.

That's for FICO 8 classic, I'm not sure about older scoring models. 

[iced]

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@Remedios wrote:

@iced , you could be, to the tune of 20 something points.

Pretty easy to test, allow a different card to report a balance and see if there are any scoring changes

The experiment wont work if you're firmly planted at 850s, and have large enough of a buffer to absorb the points loss.

That's for FICO 8 classic, I'm not sure about older scoring models. 

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I'm in the 840s, so in theory this would launch me head-first into a wall.

[Remedios]

If it's true, you'd be eight fiddy overnight 

[kilroy8]

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@K-in-Boston wrote:

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@Cred4All wrote:

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@K-in-Boston wrote:

I can confirm that my $50k Delta Reserve is still completely factored in.  There's a lot going on with my balances and profile, but I'm trying to figure out if $99.9k and $90k BOA cards are factoring in or not, but it'll be a few months before I can confirm for sure.

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I just did the math on my reported balances, with my $75k BOA limit as well to be sure.  I'm confident my BOA is still factored in, otherwise my numbers would be drastically different as to what's reported currently to the 3 bureaus.  

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The balances and limits definitely are reported and display on the front-end of whatever you're looking at, but I'm not 100% convinced they still factor into the actual scoring.  I've never been able to time it perfectly when a new large balance posts after being at $0 while other things weren't also changing pretty drastically.  In a perfect world, I could just use a $90k card as my "one" in an All Zero Except One scenario and see if I lose points, but unfortunately I am not in a position to do so.

Edit: It didn't take place in a vacuum as a few other balances changed but due to BT shuffling, this might be a pertinent DP since I didn't lose anything:

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[FinStar]

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@Anonymous wrote:

I'm new to this concept of certain large CL being excluded from scoring so please forgive the naivety of my question:

If a CL is excluded as too large, does that card's usage (balance) also get excluded?

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Yes. 

[Anonymous]

@iced Are you gonna test and let us know? Just report a nominal balance on anything. Got me curious.

[iced]

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@Anonymous wrote:
@icedAre you gonna test and let us know? Just report a nominal balance on anything. Got me curious.

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It's going to take a couple of cycles to get the data. If I remember to post again, I can.