TFW EX FICO 2

[Revelate]

So I had a small complaint in the #4 slot regarding revolving utilization.

3345ish/25000 AZEO style.  OK slightly higher than 10% individual at a 794 which for me was my highest score ever anyway.  Unlikely to be anything aggregate because regardless of how some tradelines like my HELOC and CU tradelines are factored I'm still around 150K aggregate revolving limit.

Forward to the other day where I saw more cash in hand than revolving balances so I just started kicking payments.

Chase reported, now at 1037/25000; yay +6 points... but wait for it: 800 EX FICO 2.

No more reason codes.

Fail.

I am considering applying for something to get another inquiry on EX just to have reason codes for that score again.

[SouthJamaica]

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@Revelate wrote:

So I had a small complaint in the #4 slot regarding revolving utilization.

3345ish/25000 AZEO style.  OK slightly higher than 10% individual at a 794 which for me was my highest score ever anyway.  Unlikely to be anything aggregate because regardless of how some tradelines like my HELOC are factored I'm well above even 160K aggregate CL.

Forward to the other day where I saw more cash in hand than revolving balances so I just started kicking payments.

Chase reported, now at 1037/25000; yay +6 points... but wait for it: 800 EX FICO 2.

No more reason codes.

Fail.

I am considering applying for something to get another inquiry on EX just to have reason codes for that score again.

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You are definitely too obsessed with reason codes Just let it be, please

I'll give you some of my multitudinous negative reason codes.

[Revelate]

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@SouthJamaica wrote:

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@Revelate wrote:

So I had a small complaint in the #4 slot regarding revolving utilization.

3345ish/25000 AZEO style.  OK slightly higher than 10% individual at a 794 which for me was my highest score ever anyway.  Unlikely to be anything aggregate because regardless of how some tradelines like my HELOC are factored I'm well above even 160K aggregate CL.

Forward to the other day where I saw more cash in hand than revolving balances so I just started kicking payments.

Chase reported, now at 1037/25000; yay +6 points... but wait for it: 800 EX FICO 2.

No more reason codes.

Fail.

I am considering applying for something to get another inquiry on EX just to have reason codes for that score again.

---

You are definitely too obsessed with reason codes Just let it be, please

---

Yeah but can't test stuff without them.

Almost as useless as an 850 tester now .

[SouthJamaica]

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@Revelate wrote:

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@SouthJamaica wrote:

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@Revelate wrote:

So I had a small complaint in the #4 slot regarding revolving utilization.

3345ish/25000 AZEO style.  OK slightly higher than 10% individual at a 794 which for me was my highest score ever anyway.  Unlikely to be anything aggregate because regardless of how some tradelines like my HELOC are factored I'm well above even 160K aggregate CL.

Forward to the other day where I saw more cash in hand than revolving balances so I just started kicking payments.

Chase reported, now at 1037/25000; yay +6 points... but wait for it: 800 EX FICO 2.

No more reason codes.

Fail.

I am considering applying for something to get another inquiry on EX just to have reason codes for that score again.

---

You are definitely too obsessed with reason codes Just let it be, please

---

Yeah but can't test stuff without them.

Almost as useless as an 850 tester now .

---

You will always make yourself useful.

[Anonymous]

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@Revelate wrote:

Chase reported, now at 1037/25000; yay +6 points... but wait for it: 800 EX FICO 2.

No more reason codes.

Fail.

I am considering applying for something to get another inquiry on EX just to have reason codes for that score again.

---

LOL I love everything about this.

[Anonymous]

Just up the balance and reverse the gain.

[Revelate]

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@Anonymous wrote:
Just up the balance and reverse the gain.

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I am sure that will happen naturally but one of the goal things was hopefully pushing revolving utilization off the table and seeing what was next on the list.

Totally not serious problems just idiosyncrasies in this hobby is all and admittedly I should really be focused on other things but we all need our escapes .

This one isn't actually detrimental at least.

[Anonymous]

If you put inquiries there, whatever is there is still going to be pushed off tho, right?

Sounds like you need to have a little higher utilization, but not high enough to trigger that code and then maybe it’ll drop it a couple points, so you can see what’s there now. But as high as your limits are, I guess that might not be possible, LOL.

[Anonymous]

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@SouthJamaica wrote:

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@Revelate wrote:

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@SouthJamaica wrote:

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@Revelate wrote:

So I had a small complaint in the #4 slot regarding revolving utilization.

3345ish/25000 AZEO style.  OK slightly higher than 10% individual at a 794 which for me was my highest score ever anyway.  Unlikely to be anything aggregate because regardless of how some tradelines like my HELOC are factored I'm well above even 160K aggregate CL.

Forward to the other day where I saw more cash in hand than revolving balances so I just started kicking payments.

Chase reported, now at 1037/25000; yay +6 points... but wait for it: 800 EX FICO 2.

No more reason codes.

Fail.

I am considering applying for something to get another inquiry on EX just to have reason codes for that score again.

---

You are definitely too obsessed with reason codes Just let it be, please

---

Yeah but can't test stuff without them.

Almost as useless as an 850 tester now .

---

You will always make yourself useful.

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I can transfer some debt to you to get you back over 10%

[Anonymous]

😂