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The 'All At Just Under 8.99% Utilization' experiment

Auto Loans for ANY Credit Situation. Immediate Response.
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Established Contributor

Re: The 'All At Just Under 8.99% Utilization' experiment

July 10, 2019: The 'AZEO' update of 28 FICO scores.

 

22 of 28 FICO scores are up this time. Minimum gain, +2pts. Maximum gain, +27pts.

 

No more scores under 700 now - the lowest score is now EQ AUTO 8 at 709.

FICO 9 models reacted more strongly to AZEO, with a bunch of scores moving into the 'Very Good' 740+ range.

 

This is PART 1 of the table. PART 2 in a reply below. (The whole table now exceeds the 20,000 character message limit.)

CassTrack v1.7

"AZEO"

Common data

  • No derogatories
  • No delinquencies
  • 1 closed loan
  • 2 open revolving
  • Mastercard [$2000 CL]
  • 1 inquiry EQ: Dec 2018
  • 1 inquiry EX: Dec 2018
  • 1 inquiry TU: Dec 2018 ( Plus 2 over 1yr: Dec 2017, Jan 2018 )

07/10/19

Previous Report

06/10/2019

  • AoOA: 1 yr 6 mo
  • AAoA: 10 mo
  • AoYA: 6 mo
  • Visa Signature [$6500 CL]
  • Mastercard Utilization: 3.75% (4%)
  • Visa Utilization: 3.93% (4%)
  • Aggregate Utilization: 3.89% (4%)
  • Accounts with Balances: 2

Current Report

07/10/19

What changed?

  • AoOA: 1 yr 7 mo
  • AAoA: 11 mo
  • AoYA: 7 mo
  • Visa Signature [$9000 CL] ($2500 SP CLI)
  • Mastercard Utilization: 1.75% (2%)
  • Visa Utilization: 0%
  • Aggregate Utilization: 0.32% (1%)
  • Accounts with Balances: 1

 

  • PAYMENT HISTORY: EXCEPTIONAL
  • AMOUNT OF DEBT: VERY GOOD
  • CREDIT HISTORY LENGTH: POOR
  • AMOUNT OF NEW CREDIT: GOOD
  • CREDIT MIX: VERY GOOD

 

New statement balances recorded at all 3 CRA's between 7/1 and 7/10. Score reports from myFICO 3B+, Credit Karma (TU/EQ VS3), and Credit.com (EX VS3, ENES)

06/10

Δ

07/10

FICO 8

EQ

715

+19

734

[Change]

Short credit history, No recent loan activity

 

Short credit history, No recent loan activity, Too many accounts with balances

FICO 8

TU

724

+14

738

[Change]

Short credit history, No recent loan activity, Short revolving credit history, Too many inquiries last 12 months (only 1 inq)

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO 8

EX

728

 

728

 

Short credit history, No recent loan activity, Short revolving credit history

FICO 9

EQ

723

+22

745

[Change]

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO 9

TU

721

+27

748

[Change]

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO 9

EX

728

+6

734

[Change]

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO 5

EQ

721

+5

726

 

Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history

FICO 4

TU

717

 

717

 

Short credit history, Seeking credit, Short revolving credit history, Recently opened new credit account

FICO 2

EX

733

+6

739

 

Short credit history, Too many accounts with balances, Seeking credit, Recently opened too many new credit accounts

FICO Auto 8

EQ

690

+19

709

[Change]

Short credit history, No recent loan activity, Short revolving credit history, Short installment credit history

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO Auto 8

TU

714

+15

729

[Change]

Short credit history, No recent loan activity, Short revolving credit history, Seeking credit

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO Auto 8

EX

715

 

715

 

Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time

FICO Auto 9

EQ

729

+23

752

[Change]

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO Auto 9

TU

724

+27

751

[Change]

Short credit history, No recent loan activity, Short revolving credit history, Seeking credit

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO Auto 9

EX

736

+6

742

[Change]

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO Bankcard 8

EQ

707

+24

731

[Change]

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO Bankcard 8

TU

727

+22

749

[Change]

Short credit history, No recent loan activity, Short revolving credit history, Seeking credit

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO Bankcard 8

EX

733

+2

735

 

Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time

FICO Bankcard 9

EQ

732

+23

755

[Change]

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO Bankcard 9

TU

732

+27

759

[Change]

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO Bankcard 9

EX

738

+6

744

[Change]

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Final update at AoYA 1 year. There's still a lot of points on the table: I get a significant boost from being at AZEO (50% of cards with a balance), and I'll be at zero scorable inquiries in a few weeks.

Message 91 of 101
Established Contributor

Re: The 'All At Just Under 8.99% Utilization' experiment

PART 2 of the July 10, 2019 update at AZEO. ( PART 1 in a reply above. )

 

FICO Auto 2

EX

709

+5

714

 

Short credit history, Too many accounts with balances, No recent loan activity, No recent auto loan activity

FICO Auto 4

TU

709

 

709

 

Short credit history, Seeking credit, No recent loan activity, Short revolving credit history

FICO Auto 5

EQ

729

+5

734

[Change]

Short credit history, Recently opened new credit account, Too many accounts with balances, Seeking credit

 

Short credit history, Too many accounts with balances, Recently opened new credit account, Seeking credit

FICO Bankcard 2

EX

739

+6

745

 

Short credit history, Short installment credit history, Too many accounts with balances, Recently opened too many new credit accounts

FICO Bankcard 4

TU

728

 

728

 

Short credit history, Seeking credit, Short revolving credit history, Recently opened too many new credit accounts

FICO Bankcard 5

EQ

725

+8

733

[Change]

Short credit history, Short installment credit history, Too few or too many revolving accounts, Too many accounts with balances

 

Short credit history, Short installment credit history, Too many accounts with balances, Too few or too many revolving accounts

FICO 3

EX

725

 

725

 

Short credit history, Too many accounts with balances, Short revolving credit history, Seeking credit

VantageScore 3.0

EQ

738

+7

745

VantageScore 3.0

TU

734

+8

742

VantageScore 3.0

EX

738

+7

745

TU AUTO CBIS

TU

820

 

820

Experian National Equivalency Score

EX

737

+6

743

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Final update at AoYA 1 year. There's still a lot of points on the table: I get a significant boost from being at AZEO (50% of cards with a balance), and I'll be at zero scorable inquiries in a few weeks.

Message 92 of 101
Established Contributor

Re: The 'All At Just Under 8.99% Utilization' experiment

August 10, 2019: The 'AAoA 12mo' update of 28 FICO scores.

 

8 of 28 FICO scores are up this time. Minimum gain, +1pts. Maximum gain, +10pts. All the rest stayed the same.

 

It looks like there isn't much to crossing the AAoA 1 year threshold:

  • No changes at EQ.
  • TU 8's went up around 4pts.
  • EX 9's went up 8 to 10pts.
  • TU 8 moved into the 'Very Good' range at 742.
  • 12 of 28 scores are now 'Very Good', with the rest at 'Good'.

CassTrack v1.8

"AAoA 12mo"

Common data

  • No derogatories
  • No delinquencies
  • 1 closed loan
  • 2 open revolving
  • 1 inquiry EQ: Dec 2018
  • 1 inquiry EX: Dec 2018
  • 1 inquiry TU: Dec 2018 ( Plus 2 over 1yr: Dec 2017, Jan 2018 )
  • Mastercard [$2000 CL]
  • Visa Signature [$9000 CL]
  • Mastercard Utilization: 1.75% (2%)
  • Visa Utilization: 0%
  • Aggregate Utilization: 0.32% (1%)
  • Accounts with Balances: 1

08/10/19

Previous Report

07/10/2019

  • AoOA: 1 yr 7 mo
  • AAoA: 11 mo
  • AoYA: 7 mo

Current Report

08/10/19

What changed?

  • AoOA: 1 yr 8 mo
  • AAoA: 1 yr 0 mo (12mo)
  • AoYA: 8 mo

 

  • PAYMENT HISTORY: EXCEPTIONAL
  • AMOUNT OF DEBT: VERY GOOD
  • CREDIT HISTORY LENGTH: POOR
  • AMOUNT OF NEW CREDIT: GOOD
  • CREDIT MIX: VERY GOOD

 

New statement balances recorded at all 3 CRA's between 8/1 and 8/10. Score reports from myFICO's FICO Premier subscription, Credit Karma (TU/EQ VS3), American Express MyCredit Guide (TU VS3 score factors), and Credit.com (EX VS3, ENES).

07/10

Δ

08/10

FICO 8

EQ

734

 

734

 

Short credit history, No recent loan activity

FICO 8

TU

738

+4

742

 

Short credit history, No recent loan activity, Short revolving credit history, Too many inquiries last 12 months (only 1 inq)

FICO 8

EX

728

 

728

 

Short credit history, No recent loan activity, Short revolving credit history

FICO 9

EQ

745

 

745

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO 9

TU

748

 

748

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO 9

EX

734

+9

743

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO 5

EQ

726

 

726

 

Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history

FICO 4

TU

717

 

717

 

Short credit history, Seeking credit, Short revolving credit history, Recently opened new credit account

FICO 2

EX

739

 

739

 

Short credit history, Too many accounts with balances, Seeking credit, Recently opened too many new credit accounts

FICO Auto 8

EQ

709

 

709

 

Short credit history, No recent loan activity, Short revolving credit history, Short installment credit history

FICO Auto 8

TU

729

+4

733

 

Short credit history, No recent loan activity, Short revolving credit history, Seeking credit

FICO Auto 8

EX

715

 

715

 

Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time

FICO Auto 9

EQ

752

 

752

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Auto 9

TU

751

 

751

 

Short credit history, No recent loan activity, Short revolving credit history, Seeking credit

FICO Auto 9

EX

742

+10

752

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Bankcard 8

EQ

731

 

731

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Bankcard 8

TU

749

+5

754

 

Short credit history, No recent loan activity, Short revolving credit history, Seeking credit

FICO Bankcard 8

EX

735

 

735

 

Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time

FICO Bankcard 9

EQ

755

 

755

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Bankcard 9

TU

759

 

759

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Bankcard 9

EX

744

+8

752

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Auto 5

EQ

734

 

734

 

Short credit history, Recently opened new credit account, Too many accounts with balances, Seeking credit

FICO Auto 4

TU

709

 

709

 

Short credit history, Seeking credit, No recent loan activity, Short revolving credit history

FICO Auto 2

EX

714

+1

715

 

Short credit history, Too many accounts with balances, No recent loan activity, No recent auto loan activity

FICO Bankcard 5

EQ

733

 

733

 

Short credit history, Short installment credit history, Too few or too many revolving accounts, Too many accounts with balances

FICO Bankcard 4

TU

728

 

728

 

Short credit history, Seeking credit, Short revolving credit history, Recently opened too many new credit accounts

FICO Bankcard 2

EX

745

 

745

 

Short credit history, Short installment credit history, Too many accounts with balances, Recently opened too many new credit accounts

FICO 3

EX

725

+4

729

 

Short credit history, Too many accounts with balances, Short revolving credit history, Seeking credit

VantageScore 3.0

EQ

745

+1

746

VantageScore 3.0

TU

742

 

742

 

The date that you opened your oldest account is too recent, Lack of sufficient credit history, Lack of sufficient relevant real estate account information, You have too many accounts that were opened recently

VantageScore 3.0

EX

745

+1

746

TU AUTO CBIS

TU

820

 

820

Experian National Equivalency Score

EX

743

+1

744

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Final update at AoYA 1 year. There's still a lot of points on the table: I get a significant boost from being at AZEO (50% of cards with a balance), and I'll be at zero scorable inquiries in a few weeks.

Message 93 of 101
Established Contributor

Re: The 'All At Just Under 8.99% Utilization' experiment

September 10, 2019. AoYA 9 months.

 

  • 13 of 28 FICO scores are up. Minimum gain +1pts, maximum +5pts.
  • The +5 was on TU 4 - always good to get a mortgage score bump.
  • 2 older Bankcard scores went down -3 and -4 points. It has to be related to the 1% to 2% aggregate utilization change.
  • 'Short revolving history' shifted down in the list on a few scores, just like it did at AoYA 3mo and 6mo on most scores.
  • EQ Auto 5 had a shift in reason codes without a change in score.

 

CRADIS

"AoYA 9mo"

1 CAROM 9

Common data

  • No derogatories
  • No delinquencies
  • 1 closed loan
  • 2 open revolving
  • 1 inquiry EQ: Dec 2018
  • 1 inquiry EX: Dec 2018
  • 1 inquiry TU: Dec 2018 ( Plus 2 over 1yr: Dec 2017, Jan 2018 )
  • Mastercard [$2000 CL]
  • Visa Signature [$9000 CL]
  • Accounts with Balances: 1

09/10/19

Previous Report

08/10/2019

  • AoOA: 1 yr 8 mo
  • AAoA: 1 yr 0 mo
  • AoYA: 8 mo
  • Mastercard Utilization: 1.75% (2%)
  • Visa Utilization: 0%
  • Aggregate Utilization: 0.32% (1%)

Current Report

09/10/19

What changed?

  • AoOA: 1 yr 9 mo
  • AAoA: 1 yr 1 mo
  • AoYA: 9 mo
  • Mastercard Utilization: 0%
  • Visa Utilization: 1.64% (2%)
  • Aggregate Utilization: 1.34% (2%)

 

  • PAYMENT HISTORY: EXCEPTIONAL
  • AMOUNT OF DEBT: VERY GOOD
  • CREDIT HISTORY LENGTH: POOR
  • AMOUNT OF NEW CREDIT: GOOD
  • CREDIT MIX: VERY GOOD

 

New statement balances recorded at all 3 CRA's between 9/1 and 9/10. Score reports from myFICO's FICO Premier subscription, Credit Karma (TU/EQ VS3), American Express MyCredit Guide (TU VS3 score factors), and Credit.com (EX VS3, ENES).

08/10

Δ

09/10

FICO 8

EQ

734

+3

737

 

Short credit history, No recent loan activity

FICO 8

TU

742

 

742

 

Short credit history, No recent loan activity, Short revolving credit history, Too many inquiries last 12 months (only 1 inq)

FICO 8

EX

728

+1

729

 

Short credit history, No recent loan activity, Short revolving credit history

FICO 9

EQ

745

+1

746

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO 9

TU

748

 

748

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO 9

EX

743

 

743

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO 5

EQ

726

 

726

 

Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history

FICO 4

TU

717

+5

722

 

Short credit history, Seeking credit, Short revolving credit history, Recently opened new credit account

FICO 2

EX

739

 

739

 

Short credit history, Too many accounts with balances, Seeking credit, Recently opened too many new credit accounts

FICO Auto 8

EQ

709

+3

712

[Change]

Short credit history, No recent loan activity, Short installment credit history, Short revolving credit history

 

Short credit history, No recent loan activity, Short revolving credit history, Short installment credit history

FICO Auto 8

TU

733

 

733

 

Short credit history, No recent loan activity, Short revolving credit history, Seeking credit

FICO Auto 8

EX

715

+1

716

 

Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time

FICO Auto 9

EQ

752

+2

754

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Auto 9

TU

751

 

751

 

Short credit history, No recent loan activity, Short revolving credit history, Seeking credit

FICO Auto 9

EX

752

 

752

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Bankcard 8

EQ

731

+3

734

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Bankcard 8

TU

754

 

754

 

Short credit history, No recent loan activity, Short revolving credit history, Seeking credit

FICO Bankcard 8

EX

735

+1

736

 

Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time

FICO Bankcard 9

EQ

755

+1

756

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Bankcard 9

TU

759

 

759

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Bankcard 9

EX

752

 

752

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Auto 5

EQ

734

 

734

[Change]

Short credit history, Too many accounts with balances, Recently opened new credit account, Seeking credit

 

Short credit history, Recently opened new credit account, Too many accounts with balances, Seeking credit

FICO Auto 4

TU

709

+4

713

 

Short credit history, Seeking credit, No recent loan activity, Short revolving credit history

FICO Auto 2

EX

715

 

715

 

Short credit history, Too many accounts with balances, No recent loan activity, No recent auto loan activity

FICO Bankcard 5

EQ [1% to 2% aggregate utilization is the most likely cause]

733

-3

730

 

Short credit history, Short installment credit history, Too few or too many revolving accounts, Too many accounts with balances

FICO Bankcard 4

TU

728

+4

732

[Change]

Short credit history, Seeking credit, Recently opened too many new credit accounts, Short revolving credit history

 

Short credit history, Seeking credit, Short revolving credit history, Recently opened too many new credit accounts

FICO Bankcard 2

EX [1% to 2% aggregate utilization is the most likely cause]

745

-4

741

 

Short credit history, Short installment credit history, Too many accounts with balances, Recently opened too many new credit accounts

FICO 3

EX

729

+3

732

[Change]

Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history

 

Short credit history, Too many accounts with balances, Short revolving credit history, Seeking credit

VantageScore 3.0

EQ

746

 

746

VantageScore 3.0

TU

742

+1

743

 

The date that you opened your oldest account is too recent, Lack of sufficient credit history, Lack of sufficient relevant real estate account information, You have too many accounts that were opened recently

VantageScore 3.0

EX

746

 

746

TU AUTO CBIS

TU

820

 

820

Experian National Equivalency Score

EX

744

+1

745

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Final update at AoYA 1 year. There's still a lot of points on the table: I get a significant boost from being at AZEO (50% of cards with a balance), and I'll be at zero scorable inquiries in a few weeks.

Message 94 of 101
Established Contributor

Re: The 'All At Just Under 8.99% Utilization' experiment

October 10, 2019. AoYA 10 months.

 

  • 6 of 28 FICO scores are up. Minimum gain +1pts, maximum +2pts. (lol)
  • The EQ 5's and EX 9's were the only scores that changed this month.
  • My middle mortgage score (EQ 5) went up +2 pts to 728.
  • Lowest score is now EQ AUTO 8 at 712.
  • Highest score is now TU Bankcard 9 at 759.

CRADIS

"AoYA 10mo"

1 CAROM 10

Common data

  • No derogatories
  • No delinquencies
  • 1 closed loan
  • 2 open revolving
  • 1 inquiry EQ: Dec 2018
  • 1 inquiry EX: Dec 2018
  • 1 inquiry TU: Dec 2018 ( Plus 2 over 1yr: Dec 2017, Jan 2018 )
  • Mastercard [$2000 CL]
  • Mastercard Utilization: 0%
  • Visa Signature [$9000 CL]
  • Accounts with Balances: 1

10/10/19

Previous Report

09/10/2019

  • AoOA: 1 yr 9 mo
  • AAoA: 1 yr 1 mo
  • AoYA: 9 mo
  • Visa Utilization: 2% [1.64%]
  • Aggregate Utilization: 2% [1.34%]

Current Report

10/10/19

What changed?

  • AoOA: 1 yr 10 mo
  • AAoA: 1 yr 2 mo
  • AoYA: 10 mo
  • Visa Utilization: 2% [1.22%]
  • Aggregate Utilization: 1% [0.9999090909%]

 

  • PAYMENT HISTORY: EXCEPTIONAL
  • AMOUNT OF DEBT: VERY GOOD
  • CREDIT HISTORY LENGTH: POOR
  • AMOUNT OF NEW CREDIT: GOOD
  • CREDIT MIX: VERY GOOD

 

New statement balances recorded at all 3 CRA's between 10/1 and 10/10. Score reports from myFICO's FICO Premier subscription, Credit Karma (TU/EQ VS3), American Express MyCredit Guide (TU VS3 score factors), and Credit.com (EX VS3, ENES).

09/10

Δ

10/10

FICO 8

EQ

737

 

737

 

Short credit history, No recent loan activity

FICO 8

TU

742

 

742

 

Short credit history, No recent loan activity, Short revolving credit history, Too many inquiries last 12 months (only 1 inq)

FICO 8

EX

729

 

729

 

Short credit history, No recent loan activity, Short revolving credit history

FICO 9

EQ

746

 

746

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO 9

TU

748

 

748

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO 9

EX

743

+1

744

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO 5

EQ

726

+2

728

 

Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history

FICO 4

TU

722

 

722

 

Short credit history, Seeking credit, Short revolving credit history, Recently opened new credit account

FICO 2

EX

739

 

739

 

Short credit history, Too many accounts with balances, Seeking credit, Recently opened too many new credit accounts

FICO Auto 8

EQ

712

 

712

 

Short credit history, No recent loan activity, Short installment credit history, Short revolving credit history

FICO Auto 8

TU

733

 

733

 

Short credit history, No recent loan activity, Short revolving credit history, Seeking credit

FICO Auto 8

EX

716

 

716

 

Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time

FICO Auto 9

EQ

754

 

754

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Auto 9

TU

751

 

751

 

Short credit history, No recent loan activity, Short revolving credit history, Seeking credit

FICO Auto 9

EX

752

+1

753

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Bankcard 8

EQ

734

 

734

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Bankcard 8

TU

754

 

754

 

Short credit history, No recent loan activity, Short revolving credit history, Seeking credit

FICO Bankcard 8

EX

736

 

736

 

Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time

FICO Bankcard 9

EQ

756

 

756

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Bankcard 9

TU

759

 

759

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Bankcard 9

EX

752

+1

753

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Auto 5

EQ

734

+2

736

 

Short credit history, Too many accounts with balances, Recently opened new credit account, Seeking credit

FICO Auto 4

TU

713

 

713

 

Short credit history, Seeking credit, No recent loan activity, Short revolving credit history

FICO Auto 2

EX

715

 

715

 

Short credit history, Too many accounts with balances, No recent loan activity, No recent auto loan activity

FICO Bankcard 5

EQ

730

+2

732

 

Short credit history, Short installment credit history, Too few or too many revolving accounts, Too many accounts with balances

FICO Bankcard 4

TU

732

 

732

 

Short credit history, Seeking credit, Recently opened too many new credit accounts, Short revolving credit history

FICO Bankcard 2

EX

741

 

741

 

Short credit history, Short installment credit history, Too many accounts with balances, Recently opened too many new credit accounts

FICO 3

EX

732

 

732

 

Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history

VantageScore 3.0

EQ

746

+1

747

VantageScore 3.0

TU

743

 

743

 

The date that you opened your oldest account is too recent, Lack of sufficient credit history, Lack of sufficient relevant real estate account information, You have too many accounts that were opened recently

VantageScore 3.0

EX

746

+1

747

TU AUTO CBIS

TU

820

 

820

Experian National Equivalency Score

EX [DISCONTINUED BY CREDIT.COM]

745

 

N/A

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Final update at AoYA 1 year. There's still a lot of points on the table: I get a significant boost from being at AZEO (50% of cards with a balance), and I'll be at zero scorable inquiries in a few weeks.

Message 95 of 101
Established Contributor

Re: The 'All At Just Under 8.99% Utilization' experiment

November 10, 2019: The 'AoYA 11mo / Off AZEO' update of 28 FICO scores.

 

All 28 FICO scores down -1 to -27 points due to both cards reporting a balance [all still under 9%].

 

The breakpoint is 50% of cards with a balance, not 'less than 50% of cards with a balance', at least on this scorecard. Maybe it changes after 2 years of history?

 

EQ/TU were affected the most. VS3 only drops 1 or 2 points.

 

TU AUTO CBIS went up +13pts - no idea when/what triggered that.

 

Next update is December 10 when Age of Youngest Account (AoYA) will be at the magical 1 year mark.

 

I'm expecting around +20pts followed by inquiries dropping to 0 at all 3 CRA's on December 23, which should be good for +18 to +20 points as that was how much I lost from a single inquiry last year on each CRA. INQ's affect thin/young profiles ALOT MORE than is usually talked about.

 

This is PART 1 of the table. PART 2 in a reply below. (The whole table now exceeds the 20,000 character message limit due to changes in score factors on so many scores.)

CRADIS

"Off AZEO"

1 CAROM 11

Common data

  • No derogatories
  • No delinquencies
  • 1 closed loan
  • 2 open revolving
  • 1 inquiry EQ: Dec 2018
  • 1 inquiry EX: Dec 2018
  • 1 inquiry TU: Dec 2018 ( Plus 2 over 1yr: Dec 2017, Jan 2018 )
  • Mastercard [$2000 CL]
  • Visa Signature [$9000 CL]

11/10/19

Previous Report

10/10/2019

  • AoOA: 1 yr 10 mo
  • AAoA: 1 yr 2 mo
  • AoYA: 10 mo
  • Mastercard Utilization: 0% 
  • Visa Utilization: 2% [1.22%]
  • Aggregate Utilization: 1% [0.9999090909%]
  • Accounts with Balances: 1 [50%]

Current Report

11/10/19

What changed?

  • AoOA: 1 yr 11 mo
  • AAoA: 1 yr 3 mo
  • AoYA: 11 mo
  • Mastercard Utilization: 9% [9.00%] 
  • Visa Utilization: 8% [7.07%]
  • Aggregate Utilization: 8% [7.42%]
  • Accounts with Balances: 2 [100%]

 

  • PAYMENT HISTORY: EXCEPTIONAL
  • AMOUNT OF DEBT: VERY GOOD
  • CREDIT HISTORY LENGTH: POOR
  • AMOUNT OF NEW CREDIT: GOOD
  • CREDIT MIX: VERY GOOD

 

New statement balances recorded at all 3 CRA's between 11/1 and 11/10. Score reports from myFICO's FICO Premier subscription, Credit Karma (TU/EQ VS3), American Express MyCredit Guide (TU VS3 score factors), and Credit.com (EX VS3).

10/10

Δ

11/10

FICO 8

EQ

737

-22

715

[Change]

Short credit history, No recent loan activity, Too many accounts with balances

 

Short credit history, No recent loan activity

FICO 8

TU

742

-15

727

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

 

Short credit history, No recent loan activity, Short revolving credit history, Too many inquiries last 12 months (only 1 inq)

FICO 8

EX

729

-3

726

 

Short credit history, No recent loan activity, Short revolving credit history

FICO 9

EQ

746

-17

729

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO 9

TU

748

-24

724

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO 9

EX

744

-6

738

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO 5

EQ

728

-4

724

 

Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history

FICO 4

TU

722

-5

717

 

Short credit history, Seeking credit, Short revolving credit history, Recently opened new credit account

FICO 2

EX

739

-6

733

 

Short credit history, Too many accounts with balances, Seeking credit, Recently opened too many new credit accounts

FICO Auto 8

EQ

712

-22

690

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Short installment credit history

 

Short credit history, No recent loan activity, Short installment credit history, Short revolving credit history

FICO Auto 8

TU

733

-16

717

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

 

Short credit history, No recent loan activity, Short revolving credit history, Seeking credit

FICO Auto 8

EX

716

-3

713

 

Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time

FICO Auto 9

EQ

754

-18

736

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Auto 9

TU

751

-24

727

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

 

Short credit history, No recent loan activity, Short revolving credit history, Seeking credit

FICO Auto 9

EX

753

-7

746

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Bankcard 8

EQ

734

-27

707

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Bankcard 8

TU

754

-24

730

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

 

Short credit history, No recent loan activity, Short revolving credit history, Seeking credit

FICO Bankcard 8

EX

736

-6

730

 

Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time

FICO Bankcard 9

EQ

756

-18

738

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Bankcard 9

TU

759

-24

735

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

FICO Bankcard 9

EX

753

-5

748

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

 

Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Final update at AoYA 1 year. There's still a lot of points on the table: I get a significant boost from being at AZEO (50% of cards with a balance), and I'll be at zero scorable inquiries in a few weeks.

Message 96 of 101
Established Contributor

Re: The 'All At Just Under 8.99% Utilization' experiment

PART 2 of the November 10, 2019 update at AoYA 11mo. ( PART 1 in a reply above. )

 

FICO Auto 5

EQ

736

-4

732

 

Short credit history, Too many accounts with balances, Recently opened new credit account, Seeking credit

FICO Auto 4

TU

713

-7

706

 

Short credit history, Seeking credit, No recent loan activity, Short revolving credit history

FICO Auto 2

EX

715

-5

710

 

Short credit history, Too many accounts with balances, No recent loan activity, No recent auto loan activity

FICO Bankcard 5

EQ

732

-7

725

[Change]

Short credit history, Short installment credit history, Too many accounts with balances, Too few or too many revolving accounts

 

Short credit history, Short installment credit history, Too few or too many revolving accounts, Too many accounts with balances

FICO Bankcard 4

TU

732

-4

728

 

Short credit history, Seeking credit, Recently opened too many new credit accounts, Short revolving credit history

FICO Bankcard 2

EX

741

-2

739

 

Short credit history, Short installment credit history, Too many accounts with balances, Recently opened too many new credit accounts

FICO 3

EX

732

-1

731

 

Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history

VantageScore 3.0

EQ

747

-2

745

VantageScore 3.0

TU

743

-1

742

 

The date that you opened your oldest account is too recent, Lack of sufficient credit history, Lack of sufficient relevant real estate account information, You have too many accounts that were opened recently

VantageScore 3.0

EX

747

-2

745

TU AUTO CBIS

TU

820

+13

833

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Final update at AoYA 1 year. There's still a lot of points on the table: I get a significant boost from being at AZEO (50% of cards with a balance), and I'll be at zero scorable inquiries in a few weeks.

Message 97 of 101
Valued Contributor

Re: The 'All At Just Under 8.99% Utilization' experiment

I don’t believe the breakpoint changes at 2 years. I believe it exists on all scorecards, along with a few more.









(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated NOV'19.
Message 98 of 101
Established Contributor

Re: The 'All At Just Under 8.99% Utilization' experiment

December 10, 2019: The 'AoYA 1yr' update of 28 FICO scores.

 

A real mixed bag this time.

 

  • EX 2 models dropped -19 to -22pts, TU 4 models are up +10 to +29, and EQ 5's didn't change.
  • Through all that, my middle mortgage score stayed the same: EQ 5 at 724.
  • All this with no change in previously reported balances. I kept them exactly the same to isolate changes after reaching AoOA 2yrs / AoYA 1 yr.

This is PART 1 of the table. PART 2 in a reply below. (The whole table now exceeds the 20,000 character message limit due to changes in score factors on so many scores.)

CRADIS

"AoYA 1yr"

2 CAROM 0

Common data

  • No derogatories
  • No delinquencies
  • 1 closed loan
  • 2 open revolving
  • 1 inquiry EQ: Dec 2018
  • 1 inquiry EX: Dec 2018
  • 1 inquiry TU: Dec 2018 ( Plus 1 over 1yr: Jan 2018 ) (Dropped 1 over 1yr on Dec 7)
  • Mastercard [$2000 CL]
  • Visa Signature [$9000 CL]
  • Mastercard Utilization: 9% [9.00%] 
  • Visa Utilization: 8% [7.07%]
  • Aggregate Utilization: 8% [7.42%]
  • Accounts with Balances: 2 [100%]

12/10/19

Previous Report

11/10/2019

  • AoOA: 1 yr 11 mo
  • AAoA: 1 yr 3 mo
  • AoYA: 11 mo

Current Report

12/10/19

What changed?

  • AoOA: 2 yr 0 mo
  • AAoA: 1 yr 4 mo
  • AoYA: 1 yr 0 mo
  • Note: This report is unaffected by inquiries aging to 1 year, as that doesn't happen until Dec 20 (TU) and Dec 23 (EQ/EX).
  • Balances on both cards are reporting exactly as the previous report - to the penny.
  • Any changes this month are solely due to aging: AoYA 1yr threshold (well known) and/or AoOA 2yr and/or AAoA 1yr4mo.

 

  • PAYMENT HISTORY: EXCEPTIONAL
  • AMOUNT OF DEBT: VERY GOOD
  • CREDIT HISTORY LENGTH: POOR
  • [CHANGE] AMOUNT OF NEW CREDIT: VERY GOOD [previously GOOD]
  • CREDIT MIX: VERY GOOD

 

New statement balances recorded at all 3 CRA's between 12/1 and 12/10. Score reports from myFICO's FICO Premier subscription, Credit Karma (TU/EQ VS3), American Express MyCredit Guide (TU VS3 score factors), and Credit.com (EX VS3).

11/10

Δ

12/10

FICO 8

EQ

715

+4

719

 

Short credit history, No recent loan activity, Too many accounts with balances

FICO 8

TU

727

+4

731

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Too many inquiries last 12 months (only 1 inq)

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO 8

EX

726

+6

732

[Change]

Short credit history, No recent loan activity

 

Short credit history, No recent loan activity, Short revolving credit history

FICO 9

EQ

729

+1

730

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO 9

TU

724

+1

725

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO 9

EX

738

+4

742

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO 5

EQ

724

 

724

[Change]

Short credit history, High revolving balances, Short revolving history, Seeking credit

 

Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history

FICO 4

TU

717

+11

728

[Change]

Short credit history, No recent loan activity, Recently opened new credit account, High revolving balances

 

Short credit history, Seeking credit, Short revolving credit history, Recently opened new credit account

FICO 2

EX

733

-22

711

[Change]

Short credit history, Short revolving credit history, Seeking credit, High revolving balances

 

Short credit history, Too many accounts with balances, Seeking credit, Recently opened too many new credit accounts

FICO Auto 8

EQ

690

+4

694

 

Short credit history, No recent loan activity, Too many accounts with balances, Short installment credit history

FICO Auto 8

TU

717

+4

721

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Seeking credit

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO Auto 8

EX

713

+7

720

[Change]

Short credit history, No recent loan activity, Few accounts paid on time, Short revolving credit history

 

Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time

FICO Auto 9

EQ

736

+1

737

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO Auto 9

TU

727

+1

728

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO Auto 9

EX

746

+5

751

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO Bankcard 8

EQ

707

+13

720

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO Bankcard 8

TU

730

+5

735

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Seeking credit

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO Bankcard 8

EX

730

+7

737

[Change]

Short credit history, No recent loan activity, Too many accounts with balances, Few accounts paid on time

 

Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time

FICO Bankcard 9

EQ

738

+1

739

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO Bankcard 9

TU

735

+1

736

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

FICO Bankcard 9

EX

748

+3

751

 

Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Final update at AoYA 1 year. There's still a lot of points on the table: I get a significant boost from being at AZEO (50% of cards with a balance), and I'll be at zero scorable inquiries in a few weeks.

Message 99 of 101
Established Contributor

Re: The 'All At Just Under 8.99% Utilization' experiment

PART 2 of the December 10, 2019 update at AoYA 1yr 0mo. ( PART 1 in a reply above. )

 

FICO Auto 5

EQ

732

 

732

[Change]

Short credit history, High revolving balances, Short revolving credit history, Seeking credit

 

Short credit history, Too many accounts with balances, Recently opened new credit account, Seeking credit

FICO Auto 4

TU

706

+10

716

[Change]

Short credit history, No recent loan activity, Recently opened new credit account, High revolving balances

 

Short credit history, Seeking credit, No recent loan activity, Short revolving credit history

FICO Auto 2

EX

710

-21

689

[Change]

Short credit history, Short revolving credit history, No recent loan activity, High revolving balances

 

Short credit history, Too many accounts with balances, No recent loan activity, No recent auto loan activity

FICO Bankcard 5

EQ

725

 

725

[Change]

Short credit history, Short installment credit history, High revolving balances, Short revolving credit history

 

Short credit history, Short installment credit history, Too many accounts with balances, Too few or too many revolving accounts

FICO Bankcard 4

TU

728

+29

757

[Change]

Short credit history, No recent loan activity, Recently opened new credit account, High revolving balances

 

Short credit history, Seeking credit, Recently opened too many new credit accounts, Short revolving credit history

FICO Bankcard 2

EX

739

-19

720

[Change]

Short credit history, Short revolving credit history, High revolving balances, Seeking credit

 

Short credit history, Short installment credit history, Too many accounts with balances, Recently opened too many new credit accounts

FICO 3

EX

731

+18

749

[Change]

Short credit history, Seeking credit, Short revolving credit history, High revolving balances

 

Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history

VantageScore 3.0

EQ

745

+1

746

VantageScore 3.0

TU

742

+2

744

 

The date that you opened your oldest account is too recent, Lack of sufficient credit history, Lack of sufficient relevant real estate account information, You have too many accounts that were opened recently

VantageScore 3.0

EX

745

+1

746

TU AUTO CBIS

TU [DISCONTINUED BY CREDIT KARMA]

833

 

N/A

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Final update at AoYA 1 year. There's still a lot of points on the table: I get a significant boost from being at AZEO (50% of cards with a balance), and I'll be at zero scorable inquiries in a few weeks.

Message 100 of 101
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