Have some recent posts regarding a new account and going over this threshold after not for a long time. Just realized that I saw no points when the new account was added that increased my CL it reduced my overall UTL to 8.4% from 9. 8%. The acct didn't report a balance only the open acct with the CL, so it did not add to # of accts reporting a balance. Before adding account (only reported to EQ and EX so far) my scores were EQ - 850, EX - 806. No change in EX and lost 1 pt for EQ.
I know adding the account and the INQ which only hit EX should have cost me some points but if it did, it's exactly what I might have gained for crossing this threshold which I think is unlikely, particularly for both bureau's, with the 1 pt outlier on EQ and having a 1 30D late 3 months from 7 yrs on EX.
Thoughts?
@Anonymous wrote:How much did your AoYA drop?
12Y to 11Y4M
It's possible that something else may have washed out any gain realized from dropping below 8.9%.
I suppose but as noted above it coming out equal on both bureaus with differrent reports (30D on EX) seems odd.
Also your 850 score is sort of out the window as far as testing goes since it's maxed out and you don't know how much buffer is in place above 850. Thought about that. But again for both bureaus to basically end up a wash seems odd.
@Anonymous wrote:
I’m sorry we probably previously discussed it but remind me how your AoYA only dropped ~eight months? Didn’t you just get this new account recently for the mattress?
Do you mean AAoA? AoYA went from 1Y1M to 0 in September. Yes, purchased on 9/1, reported on 9/3 - EX and 9/5 I believe for EQ. AAoA was actually previously at 12Y1M for all on 9/1. New acct still not reported to TU.
Interesting that although EQ has an old closed acct still reporting that's not on the other bureaus, this slightly changes my AAoA as reported by EX 3B reporting. But on myFICO 3B AAoA matches for all 3B even though that same acct reports in the detail of EQ.
@Anonymous wrote:
Not really, because if your capped on EX because of that late then there’s potentially a buffer hitting you there too!
Here a buffer, there a buffer, every where a buffer 
Me and my buffers.......