There have been topics discussing unknown thresholds. But what seems to be a constant for F8 is the 8.9% AGG UTL being optimal. Crossed over it today and my EX score (subscriptions) did not change. Of all the scores provided, only F3 bankcard increased 5 pts. Went from 9.2% to 8.7%. 1 less card reporting from last month but that acct previously reported $0 with no change. I have had small increases in the days prior as other cards reported.
10/28 one card reported $0 from 6% previously, no change.
10/29 one card from 20% to 18% - AGG 9.2%. When that card reported my score increased 9 pts.
11/1 increased 1 pt (assume it has something to do with age??).
Logged in this morning and last card with balance reported, went from 41% to 33%, which brought my AGG UTL down from 9.2% to 8.7%.
Clean profile. Any known reasons I wouldn't see a score change for crossing the 8.9% threshold? See sig for more profile information.
Thanks for any feedback.
@Trudy wrote:There have been topics discussing unknown thresholds. But what seems to be a constant for F8 is the 8.9% AGG UTL being optimal. Crossed over it today and my EX score (subscriptions) did not change. Off all the scores provided, only F3 bankcard increased 5 pts. Went from 9.2% to 8.7%. 1 less card reporting from last month but that acct previously reported $0 with no change. I have had small increases in the days prior as other cards reported.
10/28 one card reported $0 from 6% previously, no change.
10/29 one card from 20% to 18% get this below 8.99% - AGG 9.2%. When that card reported my score increased 9 pts.
11/1 increased 1 pt (assume it has something to do with age??).
Logged in this morning and last card with balance reported, went from 41% to 33%, <Need to break 28% which brought my AGG UTL down from 9.2% to 8.7%.
Clean profile. Any known reasons I wouldn't see a score change for crossing the 8.9% threshold? See sig for more profile information.
Thanks for any feedback.
Your aggregate util went down but your individual card util is still in a higher threshold.
Thanks for your response. I do understand there is a penalty for the 33% card, even while it's decreasing as it's not crossed the next threshold of 28.9% on this individual card.
But what I've taken from the forum is that there would be a gain for <9% for crossing that AGG threshold which I also understand is the optimal for AGG. I'd understand if that gain was eaten up by increasing UTL on a card that crossed a threshold but that didn't occur, it actually decreased from 41% to 33% (no threshold crossed).
So it sounds like you're saying there are exceptions to the 8.9% threshold? It's not an absolute threshold?
Are the scores in your siggy correct? You had 850 on two bureaus a month ago and they dropped? What caused the drop from 850? That may be a more important place to start.
Did the new card begin reporting then? INQ on EX first, then TU and EQ got wind of the account in October?
@Trudy wrote:There have been topics discussing unknown thresholds. But what seems to be a constant for F8 is the 8.9% AGG UTL being optimal. Crossed over it today and my EX score (subscriptions) did not change. Off all the scores provided, only F3 bankcard increased 5 pts. Went from 9.2% to 8.7%. 1 less card reporting from last month but that acct previously reported $0 with no change. I have had small increases in the days prior as other cards reported.
10/28 one card reported $0 from 6% previously, no change.
10/29 one card from 20% to 18% - AGG 9.2%. When that card reported my score increased 9 pts.
11/1 increased 1 pt (assume it has something to do with age??).
Logged in this morning and last card with balance reported, went from 41% to 33%, which brought my AGG UTL down from 9.2% to 8.7%.
Clean profile. Any known reasons I wouldn't see a score change for crossing the 8.9% threshold? See sig for more profile information.
Thanks for any feedback.
IMHO 8.9% is not a threshold, and it's 10% which is a threshold, with 8.9% merely being shorthand for 'safely under 10% so that it cannot be rounded up to 10%'.
@NRB525 wrote:Are the scores in your siggy correct? You had 850 on two bureaus a month ago and they dropped? What caused the drop from 850? That may be a more important place to start.
Did the new card begin reporting then? INQ on EX first, then TU and EQ got wind of the account in October?
Yes, scores are to date. I had 850 on EQ & TU for about a week in late Aug. This was the month my AoYA reached a year. But had a new account hit in early September, INQ only on EX who had a very old 30D late at the time. When the new acct hit and a bit later the balance on that acct reported, EQ & TU lost 8 pts (EQ) and 19 pts (TU). Reported 42% UTL on new card.
@Anonymous wrote:
Trudy....Buffer! You are maxxed out on util probably. You are on 850s and close now, you are topped out in parts of the pie!
Why did I know you would throw that buffer thing at me
, something I can't quantify. But it kind of makes sense to me if the new acct is causing the buffer???
@SouthJamaica wrote:
@Trudy wrote:
10/28 one card reported $0 from 6% previously, no change.
10/29 one card from 20% to 18% - AGG 9.2%. When that card reported my score increased 9 pts.
11/1 increased 1 pt (assume it has something to do with age??).
IMHO 8.9% is not a threshold, and it's 10% which is a threshold, with 8.9% merely being shorthand for 'safely under 10% so that it cannot be rounded up to 10%'.
This seems it applies to what occurred on my account. Received 9 pts when the AGG UTL went from 11% to 9.2%, but nothing going from 9.2% to 8.7%.