@Anonymous
Overall good points. Question: Is this an actual scoring example or only for illustrative purposes?
That's a real world example, as reported by many forum members here where they've seen a scoring penalty (say, 5-10 points) in going to 33%+ cards with reported balances on EQ, but don't see a similar penalty until going to 50%+ on EX/TU. I'm not sure I've ever tested it personally, but since I've recently been able to get my score to where I wanted it with AZEO in place, I was going to slowly allow 1 additional card to report (AZE2, AZE3) and grab credit score pulls along the way to see how my profile reacts all the way to 100% of cards with reported balances. If I do this test in the upcoming 1-2 months I'll definitely start a thread with the data points and it would be interesting to see the variance between EX/TU vs EQ when considering those percentages.
