I'm disappointed. I expected our reports to update on 3/1 with an increase, mainly because of our newest revolvers and their associated inquiries aging to 1 year. EX showed no movement on any of my DW's scores. I received a +5 on my EX 8 only, no movement at all on the others that EX reports.
Based on both of us showing no movement in our EX 2 (and other scores), I'm guessing we either don't get points for our inquiries and AoYR aging to 12 months -or- we don't get points until the 365th day (a full year)?
Perhaps my increase on EX 8 was due to a 30-day late aging to 2 years this month? Curiously, none of my other EX scores changed though. Not sure about any changes on EQ or TU yet (should be getting a TU update in a couple of days).
If anyone is curious and needs more DP's, let me know... I can overload you! 
@Anonymous wrote:
I think your theory of the 30 day late aging to two years may be valid as to why you gained those points.
Get the Discover under 8.9%, under 4% if you can. That will optimize you. AZEO, right?
Her utilization will show 0% from the Amex, but she will show 2 revolvers with a balance.
How many cards do each of you have and how many are you AUs on?
It stinks to be "dirty"!
I'm trying to keep a bit reserved in savings for closing costs and a good bit remaining in savings, but I can probably stretch out paying my Disco down to slightly below 8.9% and still be safe. That will help me in AZEO.
Her AMEX is BCE, so an actual credit card. She has 4 cards (AMEX BCE, CapOne VentureOne, Synch Car Care, and USB Cash+). She is AU on my CapOne QS, Disco, and Synch Care Credit (recently removed as AU on my Uber and EX does not include it ATM, but TU and EQ still include it). Total CL for only her accounts is $59,250. Total CL with AU included is $108,850. All cards at $0 except for her AMEX and my Disco.
I have 4 cards (Disco, CapOne QS, Synch Care Credit, and Uber). I'm AU on her CapOne VO. My TCL without AU is $55,600. TCL with AU is $59,850.
Thanks for the assist, BM7!
@Anonymous wrote:Anytime!
It just has to be under 9% based on recent information.
That’s great you will be at AZEO and optimized. But she will not be, because she will have two cards with a balance, your disco and her AmEx, even though the utilization portion of her AMEX won’t count, it will still count as an account with a balance and she won’t be at AZEO, IIRC.
Thanks again!
I was originally planning on buying the MyFico Premier for both of us tonight, but seeing no improvement from Experian bummed me out. I started thinking maybe I should wait to pull until next Friday when my Disco should be updated on all 3 CRA's.
Now, I'm again thinking I should break down and go for it tonight... mainly to see where we both stand at this time. I don't think it would be worth optimizing myself if her scores are probably less than mine already (since banks use the lowest middle score between the two of us).
But if I understand your intentions correctly, you believe that if I bring my Disco down to under 9%:
- I will be AZEO optimized.
- She will also be under 9% UTI on the older mortgage models (they treat her AMEX as 0% since its CL is @ or above their threshold for CL)
- She will have balances on 2 revolvers on 7 cards, so technically not AZEO.
@Duke_Nukem wrote:
@Anonymous wrote:Anytime!
It just has to be under 9% based on recent information.
That’s great you will be at AZEO and optimized. But she will not be, because she will have two cards with a balance, your disco and her AmEx, even though the utilization portion of her AMEX won’t count, it will still count as an account with a balance and she won’t be at AZEO, IIRC.
Thanks again!
I was originally planning on buying the MyFico Premier for both of us tonight, but seeing no improvement from Experian bummed me out. I started thinking maybe I should wait to pull until next Friday when my Disco should be updated on all 3 CRA's.
Now, I'm again thinking I should break down and go for it tonight... mainly to see where we both stand at this time. I don't think it would be worth optimizing myself if her scores are probably less than mine already (since banks use the lowest middle score between the two of us).
But if I understand your intentions correctly, you believe that if I bring my Disco down to under 9%:
- I will be AZEO optimized.
- She will also be under 9% UTI on the older mortgage models (they treat her AMEX as 0% since its CL is @ or above their threshold for CL)
- She will have balances on 2 revolvers on 7 cards, so technically not AZEO.
I'd wait till everything was updated personally or as close as it's going to get on this iterations of optimizations.
I don't think the tradelines are fully ignored, there's some weirdness that I've seen recently on my CSR at 43.5K on EX FICO 2 specifically: it doesn't count for AZ calculations but the balance appears to factor somehow. Similar happens with my HELOC at 27.8K or whatever.
We are probably going to have banks pull in the first couple of weeks in April. I'm thinking if we get the myFico product today, then I can get another update the first couple of days in April. But that may be too little too late for adjusting anything at that time.
I really would like to know where we both stand now as opposed to next Friday, when it would be too late to do anything without asking Disco and/or AMEX to report mid-cycle. Decisions, decisions!!!
@Anonymous wrote:Duke yes you have my understanding correctly. With that said, you could always remove her off of your Discover and off-cycle update, making her AZEO.
I've seriously thought about that. Disco is our current go-to card since we are still in the bonus-matching period until later in the month, but I can give up a few extra cashback in the meantime.
So if I did remove her as AU, what does that do? The AMEX UTI will effectively show as 0% (since her CL exceeds the max acknowledged by the older models) and only that one card shows a balance? So this is a good option to try?
Not sure if it matters with optimization, but I have 2 auto loans (both around 70% paid off and 42 months old with 18 left). She shares one of the loans (about 70% paid off). We could put the mortgage in only her name easily, but if I am the sole borrower it would push my DTI close to around 42% which would probably negate any positives I could gain focusing solely on my profile. We plan on getting the mortgage in both names, but are open to options.