I may see what I can do. Going to have to let the credit report settle out post move, I don't think I'm bringing a whole lot of stuff with me to Houston and as such may need to buy some bare minimum furniture (may try the Japanese futon route actually).
Once that happens maybe there might be a useful breakpoint on EX for numbers of cards with balances though I'm pretty sure 1/2 is the central one and if then go use the Citi card, and that ratio changes, maybe it'll happen I just have so many that one more or less doesn't move the needle much unless I get terribly lucky.
ETA: actually no reason to confine it to FICO 8, have access to FICO 2 as well which is more persnickity on that metric and maybe it can be assumed if it happens there it's the same on others. Maybe.
Well the test is sort of a check on the fundamentals to generate a FICO score at all which there has to be an update in the last six months. It somewhat stands to reason that no update in six months might exclude the tradeline... which is a non-event for me rationally but might be useful for others.
There aren't many lenders this can be tested with as most happily report $0; Synchrony was the obvious and TBH I was shocked to see Citi with similar behavior that is a new change as I held their Costco card for a while and actually looking at my tradeline data I wonder if it is just broken anyway. Does look somewhat partial reportish but it was reporting before which either Citi does something weird or my tradeline is wonky.
Hoping someone else has a Citi card that is SD'd and can check, not the most popular lender on this forum but not uncommon.
I just can't unfortunately, mortgage pull done yesterday (the email spam was pretty funny on those inquiries, all those random services I signed up with over the years) and that absolutely takes presence.
Well I think the first thing is see if Citi is consistent in this: I just checked CK and similar nothing reported for it in the last six months on either EQ or TU.
I think the only way to test this is through numbers of revolvers/accounts with balances. File basically has to be static anyway, no scorecard changes because we have seen weird sauce, and then see if the ratios change when the Citi card is counted for sure (recent update) and when it possibly isn't.
This sounds easy but given how bad the data is around revolvers with balances on mature files I am skeptical but I can't think of any other way to test it... AAOA changes just aren't frequent enough (or concrete enough) and both of our file thickness is larger than needed: one less or more tradeline other than new accounts scorecard is irrelevant.
Am I missing anything? Can't think of any other way to get at this. I probably need to swipe the Citi card anyway just to keep it active it has been idle a while and arguably my getting a new mortgage tradeline tacked on is a more important test anyway.
Busy file, no bueno. Sorry 
@Anonymous wrote:
@Revelate wrote:I may see what I can do. Going to have to let the credit report settle out post move, I don't think I'm bringing a whole lot of stuff with me to Houston and as such may need to buy some bare minimum furniture (may try the Japanese futon route actually).
lol... Why Texans Don’t Want Any More Californians (Migrants from the Golden State could change the character of their new homes.)
"The number of Californians moving to Idaho, for instance, increased by 120 percent from 2012 to 2018. The number of Los Angeles residents moving to Dallas and Houston declined in those years, but the number of Angelenos moving to Plano, Texas, tripled."
I actually witnessed the first wave of that when I was still in Austin with a bunch of California money moving in to the northwest along 183. The whole article is misguided and wrong though:
“Remember those high taxes, burdensome regulations, & socialistic agenda advanced in CA? We don't believe in that.”
This is why I'm leaving and probably a non-trivial number of the other ones who have bailed for the exact same reasons. You don't leave if the social benefits of a state actually benefit you.