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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.

New CRADIS contacts, bearing 1 carom 9. Just think of EQ, TU, and EX as Cylon Basestars.

Message 91 of 94
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.

New CRADIS contacts, bearing 1 carom 9. Just think of EQ, TU, and EX as Cylon Basestars.

Message 92 of 94
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.

New CRADIS contacts, bearing 1 carom 9. Just think of EQ, TU, and EX as Cylon Basestars.

Message 93 of 94
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.

New CRADIS contacts, bearing 1 carom 9. Just think of EQ, TU, and EX as Cylon Basestars.

Message 94 of 94
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