@Anonymous wrote:@mowglidude so what are your scores right now? Because it looks like your maximized. how many cards are reporting a balance? AZEO, yeah?
and if you have time and feel like it, if you could type in all your stuff in the spreadsheet ccquest made and then post that, that would give us all the metrics (ages, balances, utilizations) automatically calculated for everything.
The only thing I think he still has to add is capability to account for derogatories. I wish we would've had that when you started, it would've made it a lot easier.
Here are my updated scores. I noticed I only went up 8 points, after dropping from 11% aggregate UT to 8% aggregate UT. I thought it would be more.
@mowglidude wrote:
@Anonymous wrote:@mowglidude so what are your scores right now? Because it looks like your maximized. how many cards are reporting a balance? AZEO, yeah?
and if you have time and feel like it, if you could type in all your stuff in the spreadsheet ccquest made and then post that, that would give us all the metrics (ages, balances, utilizations) automatically calculated for everything.
The only thing I think he still has to add is capability to account for derogatories. I wish we would've had that when you started, it would've made it a lot easier.
Here are my updated scores. I noticed I only went up 8 points, after dropping from 11% aggregate UT to 8% aggregate UT. I thought it would be more.
Sorry if you already mentioned this and I missed it, but what was your highest individual card utilization on 9/20?
I gather that's the date your aggregate utilization crossed under 10%, and you said then you got no points. My experience has caused me to wonder if the signal strength of reductions in aggregate utilization is diminished when there are also high-util cards present. I'm on the same scorecard as you and I think I only got 3 points on EX8 when my aggregate utilization crossed under 10%. I had one card over 50% at the time. Around that same time I think I got 9 points when my highest util card went from 68% to 55%, and then another 9 when it went from 53% to 48%. It seemed like my high-util cards stole some of the thunder from my improving aggregate utilization. Could that have been what you experienced too?
Edited to strike out incorrect statement. You are on a No New Accounts scorecard. I'm on a New Accounts one. Sorry about that.
@Curious_George2 wrote:
@mowglidude wrote:
@Anonymous wrote:@mowglidude so what are your scores right now? Because it looks like your maximized. how many cards are reporting a balance? AZEO, yeah?
and if you have time and feel like it, if you could type in all your stuff in the spreadsheet ccquest made and then post that, that would give us all the metrics (ages, balances, utilizations) automatically calculated for everything.
The only thing I think he still has to add is capability to account for derogatories. I wish we would've had that when you started, it would've made it a lot easier.
Here are my updated scores. I noticed I only went up 8 points, after dropping from 11% aggregate UT to 8% aggregate UT. I thought it would be more.
Sorry if you already mentioned this and I missed it, but what was your highest individual card utilization on 9/20?
I gather that's the date your aggregate utilization crossed under 10%, and you said then you got no points. My experience has caused me to wonder if the signal strength of reductions in aggregate utilization is diminished when there are also high-util cards present.
I'm on the same scorecard as you andI think I only got 3 points on EX8 when my aggregate utilization crossed under 10%. I had one card over 50% at the time. Around that same time I think I got 9 points when my highest util card went from 68% to 55%, and then another 9 when it went from 53% to 48%. It seemed like my high-util cards stole some of the thunder from my improving aggregate utilization. Could that have been what you experienced too?
Edited to strike out incorrect statement. You are on a No New Accounts scorecard. I'm on a New Accounts one. Sorry about that.
On 9/20, I had two cards at 26% individual UT. Those were my highest.
Well, that doesn't lend any support to my crackpot theory. 
@Curious_George2 wrote:
@mowglidude wrote:
@Anonymous wrote:@mowglidude so what are your scores right now? Because it looks like your maximized. how many cards are reporting a balance? AZEO, yeah?
and if you have time and feel like it, if you could type in all your stuff in the spreadsheet ccquest made and then post that, that would give us all the metrics (ages, balances, utilizations) automatically calculated for everything.
The only thing I think he still has to add is capability to account for derogatories. I wish we would've had that when you started, it would've made it a lot easier.
Here are my updated scores. I noticed I only went up 8 points, after dropping from 11% aggregate UT to 8% aggregate UT. I thought it would be more.
Sorry if you already mentioned this and I missed it, but what was your highest individual card utilization on 9/20?
I gather that's the date your aggregate utilization crossed under 10%, and you said then you got no points. My experience has caused me to wonder if the signal strength of reductions in aggregate utilization is diminished when there are also high-util cards present.
I'm on the same scorecard as you andI think I only got 3 points on EX8 when my aggregate utilization crossed under 10%. I had one card over 50% at the time. Around that same time I think I got 9 points when my highest util card went from 68% to 55%, and then another 9 when it went from 53% to 48%. It seemed like my high-util cards stole some of the thunder from my improving aggregate utilization. Could that have been what you experienced too?
Edited to strike out incorrect statement. You are on a No New Accounts scorecard. I'm on a New Accounts one. Sorry about that.
@Curious_George2 interesting thought, still.
In the last few months, I experienced several score changes. On 12/18, I still had one card at 30% utilization and overall utilization was 9.53%. My EX 8 Fico was 797 at the time. After bringing that one card down under 30% the following month, my score shot up to 798 lol. Overall util was 9.17% on Jan 15. On Jan 19, my score went up 16 points, to 814. My overall UT was paid down to 8.37%. And just recently on Feb 9, my overall UT went under the 6% threshold I wanted to acheive, to 5.50%. Here are my three scores now. I have 13 credit cards and 6 are at 0 balance and the three are over 10% UT, at 12, 13 and 15% individually. The rest are under 1% individual UT. I hope this helps.
