Yeah, I have been letting a couple of cards report small balances. One only has a $5k limit, and I let it report a $30-40 balance, so that's working. But I'm still stuck at 774 on FICO-8 for some mysterious reason. However, I gather FICO-2 is the mortgage score and it's doing well so I guess that's fine. FICO-8 is weird though.
|Amex BCE $40k || BoA Travel $5k || FirstTech MC $5k || BECU PLoC $10k || Discover Miles $27.7k || CITI DC $27.5k || CHASE Amazon $12.5k || BoA Premium Rewards $31k || BoA Cash Rewards 26k // AU on DW's Costco Visa $12k||FICO8 774|
Last Inq 04/2018
By the way, I can’t remember exactly the limit. I thought it was $35,000 but then I think somebody at $29K was excluded, but if you use a card with a CL under $25K, it should work fine for FICO 2.
I was looking at this recently - the EX2 (Auto and Bankcard, anyway) threshold is definitely lower than the EQ5/TU4 threshold (assumed to be $35k) - I've verified that a $26k limit does count, but a $30k limit does not. I haven't dialed it in more exactly than that (yet).
The reason codes end up looking really odd when testing this - you can get "There are no recent balances on your revolving and/or open-ended accounts." at the same time as "You've made heavy use of your available revolving credit.".
Due to MyFICO hiding reason codes when within 50 points of max, I've only been able to test EX2 Auto and EX2 Bankcard, but the base EX2 ("mortgage") version is likely using the same thresholds.