I have a data point for the Aggegate 28.9% threshold. Yestarday I was at 30% aggregate Utilization (29.6 - experian reported as 30%). With my Paypal card balance reporting it dropped to 26% giving me a 28 point boost in score.
I'm on a Thick/clean/Aged scorecard with no baddies.
I know when I was searching one of the things i looked for was examples of what score bum i could expect at individual and aggregate levels ofr sharing for those who may be looking to achieve certain scores and what boost they can expect. For full comparison I have 0 lates/100% ontime payments, 9 hard inqueries (2 younger than 1 year/scoreable), 7 tradelines, 5 of them reporting 0 balance. and like 45K in installment loans (Car/student loans).
This was yestarday the 27th:
This is from today the 28th:
@Anonymous wrote:I have a data point for the Aggegate 28.9% threshold. Yestarday I was at 30% aggregate Utilization (29.6 - experian reported as 30%). With my Paypal card balance reporting it dropped to 26% giving me a 28 point boost in score.
I'm on a Thick/clean/Aged scorecard with no baddies.
I know when I was searching one of the things i looked for was examples of what score bum i could expect at individual and aggregate levels ofr sharing for those who may be looking to achieve certain scores and what boost they can expect. For full comparison I have 0 lates/100% ontime payments, 9 hard inqueries (2 younger than 1 year/scoreable), 7 tradelines, 5 of them reporting 0 balance. and like 45K in installment loans (Car/student loans).
This was yestarday the 27th:
This is from today the 28th:
Questions:
1. Was the PayPal balance above 30%?
2. If so, did it drop from above 30% to below 30%?
3. What percentage on the other reporting tradeline?
@Anonymous wrote:
@SouthJamaica wrote:
1. Was the PayPal balance above 30%?
2. If so, did it drop from above 30% to below 30%?
3. What percentage on the other reporting tradeline?
Before:
Account Balance Limit Ratio Walmart $0.00 $1,450.00 0.0% Paypal $1,662.00 $3,500.00 47.5% Venture $2,960.00 $7,000.00 42.3% Amazon $4,991.00 $6,000.00 83.2% Amex $5,262.00 $8,500.00 61.9% QuickSilver $0.00 $9,000.00 0.0% CareCredit $0.00 $15,000.00 0.0% Total $14,875.00 $50,450.00 29.5%
After:
Account Balance Limit Ratio Walmart $0.00 $1,450.00 0.0% Paypal $0.00 $3,500.00 0.0% Venture $2,960.00 $7,000.00 42.3% Amazon $4,991.00 $6,000.00 83.2% Amex $5,262.00 $8,500.00 61.9% QuickSilver $0.00 $10,000.00 0.0% CareCredit $0.00 $15,000.00 0.0% Total $13,213.00 $51,450.00 25.7%
Nothing below changed to my other credit report details before or after:
- 100% ontime payment for revolving and installments, not laters, no derogs
- No collections, settlements, negatives, baddies
- 9 hard inqueries (2 less than 1 year/scoreable)
- 52K in installments (2 student loan, 1 Auto)
- AoOA: 18 years
- AoORA: 6.5 years
- AAoRA: 4.7 years
Thank you. Great that you have your data so well organized 
So you went from having 4 (more than half of your cards) > 30% to having 3 (less than half).
And you went from having 3 (less than half of your cards) reporting at zero to having 4 (more than half) reporting at zero.
Those events most likely affected your points as well.
So it's quite difficult (try impossible) to isolate out which factors got you which points:
1. Aggregate dropping below 29%
2. Number of zero balances rising from less than half to more than half
3. Number of >30% balances dropping from more than half to less than half
@Anonymous wrote:What is odds and REALLY disappointing is that while my FICO 8 increased, my mortgage score did not move (stayed at 749). This is disturbing since we are in the process of applying for a mortgage. MY auto score increased and 2 of my 3 bankscores increased.
Yeah the mortgage score is an ornery cuss. Very stubborn.
Thankfully, if I'm not mistaken, yours is good enough to get you the lowest rates anyway.
@Anonymous wrote:
Before:
Account Balance Limit Ratio Walmart $0.00 $1,450.00 0.0% Paypal $1,662.00 $3,500.00 47.5% Venture $2,960.00 $7,000.00 42.3% Amazon $4,991.00 $6,000.00 83.2% Amex $5,262.00 $8,500.00 61.9% QuickSilver $0.00 $9,000.00 0.0% CareCredit $0.00 $15,000.00 0.0% Total $14,875.00 $50,450.00 29.5% ** Experian reported this as a 30% balanced **
After:
Account Balance Limit Ratio Walmart $0.00 $1,450.00 0.0% Paypal $0.00 $3,500.00 0.0% Venture $2,960.00 $7,000.00 42.3% Amazon $4,991.00 $6,000.00 83.2% Amex $5,262.00 $8,500.00 61.9% QuickSilver $0.00 $10,000.00 0.0% CareCredit $0.00 $15,000.00 0.0% Total $13,213.00 $51,450.00 25.7% ** Experian reported this as a 26% balance **
Nice table. Your 28 point Fico 8 score increase (733 => 761) is in-line with your profile.
I wonder if your Mortgage Fico score did not update with new data. ZERO movement would be a bit odd given you reduced # cards reporting a balance from above 50% to below 50%. Of course, EX is not as sensitive to # cards reporting from my many years monitoring. Rest assured, your EQ Fico mortgage score has gone up. How many INQ under 12 months do you have on EQ, TU and EX?
Some services don't update Fico mortgage scores except as a manually requested pull on a monthly or quarterly basis or as a paid pull. What service are you using?
@Thomas_Thumb wrote:
@Anonymous wrote:Before:
Account Balance Limit Ratio Walmart $0.00 $1,450.00 0.0% Paypal $1,662.00 $3,500.00 47.5% Venture $2,960.00 $7,000.00 42.3% Amazon $4,991.00 $6,000.00 83.2% Amex $5,262.00 $8,500.00 61.9% QuickSilver $0.00 $9,000.00 0.0% CareCredit $0.00 $15,000.00 0.0% Total $14,875.00 $50,450.00 29.5% ** Experian reported this as a 30% balanced **
After:
Account Balance Limit Ratio Walmart $0.00 $1,450.00 0.0% Paypal $0.00 $3,500.00 0.0% Venture $2,960.00 $7,000.00 42.3% Amazon $4,991.00 $6,000.00 83.2% Amex $5,262.00 $8,500.00 61.9% QuickSilver $0.00 $10,000.00 0.0% CareCredit $0.00 $15,000.00 0.0% Total $13,213.00 $51,450.00 25.7% ** Experian reported this as a 26% balance **
Nice table. Your 28 point Fico 8 score increase (733 => 761) is in-line with your profile.
I wonder if your Mortgage Fico score did not update with new data. ZERO movement would be a bit odd given you reduced # cards reporting a balance from above 50% to below 50%. Of course, EX is not as sensitive to # cards reporting from my many years monitoring. Rest assured, your EQ Fico mortgage score has gone up. How many INQ under 12 months do you have on EQ, TU and EX?
Some services don't update Fico mortgage scores except as a manually requested pull on a monthly or quarterly basis or as a paid pull. What service are you using?
my credit report across all the beaurues is identical as far as inqueries. 9 inqueries, 2 less than 12 months/scroeable
im resisting the urge to pull a 3B report since i have some major balance changes coming between now and the 5th