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Question About AZEO Limits

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elboullee
Regular Contributor

Question About AZEO Limits

Last month I let $220 report on a card with a $7K limit and total tradelines of $20K. No other balances of any kind, no lates, no misseds, 2 years of history, FICOs of 755, 765, and 770 [now also 765].

 

The other day EQ dinged me for 5 points saying that my "debt" went up by $220 as last month I let only $10 on one card report.

 

3% of one card's limit and 1/10 of 1% of all avaialble credit costs you 5 points? Really?

Message 1 of 18
17 REPLIES 17
Jeffster1
Valued Contributor

Re: Question About AZEO Limits

I have been practicing AZEO for almost 3 years. I leave a $3 balance month-to-month on my Savor One card. My total CLs reporting total around $230K. While I always PIF...aside from the $3...there are months where a greater balance reports on an additional card, such as when my $250 AF posts on one of my Amex cards. I have never experienced the month-to-month ding you are reporting. 

FICO 8 (3/1/24) EX 805 EQ 824 TU 844
FICO 9 (2/17/24) EX 821 EQ 778TU 850
I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 5K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 15K | NFCU CashRewards Visa 15K I Citi Best Buy Visa 10K I Macy’s Amex 4K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I
Message 2 of 18
elboullee
Regular Contributor

Re: Question About AZEO Limits

And it's their reporting/monitoring service telling me that's specifically why it went down 5 points.

 

The only other thing that changed last month was getting a $5K CLI on my CFF - which I would have thought might actually increase my scores by 5 points or so.

 

Seems stupid, but there it is.

Message 3 of 18
Jeffster1
Valued Contributor

Re: Question About AZEO Limits


@elboullee wrote:

And it's their reporting/monitoring service telling me that's specifically why it went down 5 points.

 

The only other thing that changed last month was getting a $5K CLI on my CFF - which I would have thought might actually increase my scores by 5 points or so.

 

Seems stupid, but there it is.


Does the EQ monitoring on their website use Vantage scoring or FICO scoring? Vantage can be quite finicky. I monitor through MyFico and Experian. I haven't really paid attention to the EQ scoring on the EQ website via the free subscription so I can't recall.

 

The point loss does seem strange. 

FICO 8 (3/1/24) EX 805 EQ 824 TU 844
FICO 9 (2/17/24) EX 821 EQ 778TU 850
I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 5K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 15K | NFCU CashRewards Visa 15K I Citi Best Buy Visa 10K I Macy’s Amex 4K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I
Message 4 of 18
elboullee
Regular Contributor

Re: Question About AZEO Limits


@Jeffster1 wrote:

@elboullee wrote:

And it's their reporting/monitoring service telling me that's specifically why it went down 5 points.

 

The only other thing that changed last month was getting a $5K CLI on my CFF - which I would have thought might actually increase my scores by 5 points or so.

 

Seems stupid, but there it is.


Does the EQ monitoring on their website use Vantage scoring or FICO scoring? Vantage can be quite finicky. I monitor through MyFico and Experian. I haven't really paid attention to the EQ scoring on the EQ website via the free subscription so I can't recall.

 

The point loss does seem strange. 


Vantage on CK, both on their own site.

 

Last time I checked, my EQ Vantage was 775. My EQ FICO went from 770 to 765 so no great tragedy, but still weird.

Message 5 of 18
Jordan23ww
Valued Contributor

Re: Question About AZEO Limits


@Jeffster1 wrote:

@elboullee wrote:

And it's their reporting/monitoring service telling me that's specifically why it went down 5 points.

 

The only other thing that changed last month was getting a $5K CLI on my CFF - which I would have thought might actually increase my scores by 5 points or so.

 

Seems stupid, but there it is.


Does the EQ monitoring on their website use Vantage scoring or FICO scoring? Vantage can be quite finicky. I monitor through MyFico and Experian. I haven't really paid attention to the EQ scoring on the EQ website via the free subscription so I can't recall.

 

The point loss does seem strange. 


@Jeffster1 @elboullee  I was just about to say that sounds like some Vantage score shenanigans! I've been doing AZEO since 2020 and I've only seen stuff like this happen on reports with Vantage scores. On MyFico my scores aren't affected by small increases like this.  

      


Message 6 of 18
Jordan23ww
Valued Contributor

Re: Question About AZEO Limits


@elboullee wrote:

@Jeffster1 wrote:

@elboullee wrote:

And it's their reporting/monitoring service telling me that's specifically why it went down 5 points.

 

The only other thing that changed last month was getting a $5K CLI on my CFF - which I would have thought might actually increase my scores by 5 points or so.

 

Seems stupid, but there it is.


Does the EQ monitoring on their website use Vantage scoring or FICO scoring? Vantage can be quite finicky. I monitor through MyFico and Experian. I haven't really paid attention to the EQ scoring on the EQ website via the free subscription so I can't recall.

 

The point loss does seem strange. 


Vantage on CK, both on their own site.

 

Last time I checked, my EQ Vantage was 775. My EQ FICO went from 770 to 765 so no great tragedy, but still weird.


@elboullee for some reason the vantage scores seem to be a lot more sensitive than the Fico scores. I bet your Fico's didn't decrease at all. Your utilization is still below 9% and is in a great position. I do AZEO too and usually my scores don't go down when a balance under 9% utilization posts.  

      


Message 7 of 18
Jeffster1
Valued Contributor

Re: Question About AZEO Limits


@Jordan23ww wrote:

@elboullee wrote:

@Jeffster1 wrote:

@elboullee wrote:

And it's their reporting/monitoring service telling me that's specifically why it went down 5 points.

 

The only other thing that changed last month was getting a $5K CLI on my CFF - which I would have thought might actually increase my scores by 5 points or so.

 

Seems stupid, but there it is.


Does the EQ monitoring on their website use Vantage scoring or FICO scoring? Vantage can be quite finicky. I monitor through MyFico and Experian. I haven't really paid attention to the EQ scoring on the EQ website via the free subscription so I can't recall.

 

The point loss does seem strange. 


Vantage on CK, both on their own site.

 

Last time I checked, my EQ Vantage was 775. My EQ FICO went from 770 to 765 so no great tragedy, but still weird.


@elboullee for some reason the vantage scores seem to be a lot more sensitive than the Fico scores. I bet your Fico's didn't decrease at all. Your utilization is still below 9% and is in a great position. I do AZEO too and usually my scores don't go down when a balance under 9% utilization posts.  


@Jordan23ww 🎯🎯🎯🎯

FICO 8 (3/1/24) EX 805 EQ 824 TU 844
FICO 9 (2/17/24) EX 821 EQ 778TU 850
I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 5K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 15K | NFCU CashRewards Visa 15K I Citi Best Buy Visa 10K I Macy’s Amex 4K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I
Message 8 of 18
SouthJamaica
Mega Contributor

Re: Question About AZEO Limits


@elboullee wrote:

Last month I let $220 report on a card with a $7K limit and total tradelines of $20K. No other balances of any kind, no lates, no misseds, 2 years of history, FICOs of 755, 765, and 770 [now also 765].

 

The other day EQ dinged me for 5 points saying that my "debt" went up by $220 as last month I let only $10 on one card report.

 

3% of one card's limit and 1/10 of 1% of all avaialble credit costs you 5 points? Really?


No. You don't know what cost the 5 points.


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 687

Message 9 of 18
elboullee
Regular Contributor

Re: Question About AZEO Limits


@SouthJamaica wrote:

 

 You don't know what cost the 5 points.

Know for a fact - no, probably not.

 

But when only three things changed, and two of them were positive [total credit +$5K, AAoA/AoOA +1 month], then I think you can reasonably start to make some educated guesses.

 

And when EQ sends you a change-in-score alert email and says it's because "your total debt incresed from $10 last month to $220 this month", you put all that together and it isn't crazy to come to the conclusion that it's the $220 that did it.

Message 10 of 18
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