Removing 76% revolver led to 10 point EX FICO 8 gain

[SouthJamaica]

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@Anonymous wrote:

We can always pay for a new myFICO 3B report every day. 

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Yeah right, but only people who are wealthy enough not to care about their credit scores could afford that

[Anonymous]

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@SouthJamaica

Doesn't this sort of cut against the theory that with the individual card utilization factor, the percentage utilization of the highest card is the one that causes the penalty? Even though I got rid of the 76% sore thumb,  the 82% blemish remains.

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It definitely does.  Maybe it's something profile specific, as many have reported that the highest utilization card is the only factor (on their profile) that seems to matter. 

[Thomas_Thumb]

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@SouthJamaica wrote:

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@Anonymous wrote:

If it didn't cross over 8.9% then I agree with your initial observation concerning individual UTI theory.

In my own experiment also using Experian's daily score/report updates to isolate correlation between events and scores, I also found few discrepancies with theories commonly posted, like softening blows of inquiries and individual new accounts reaching 6 month mark, I saw absolutely no changes until each inquiry hit the 1 year mark to the day, absolutely no changes with new accounts until the youngest one hit one year, other than the effects on AAoA.

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That's good information to know.

Too bad we can't get that kind of data for the FICO scoring models other than Classic 8.

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Perhaps some do have access to daily updates of all 3B Fico scores for free. However, they probably work at Fico and can't divulge their data. No - I don't mean our moderators .