@Thomas_Thumb Had an alert and score update today that follows the suspected 5% aggregate threshold you noted earlier in this thread, at least for EQ. On my 3B pull from 3/3 I was at $3695/$74200 (4.98% rounding to 5%) and my EQ8 was 704. 2 cards reported to EQ today (decrease in total owed and CLI). Now I'm reporting at $3430/$78200 (4.39% rounding down to 4%) and gained +4 on EQ8. Looking at that and the 10% individual possible threshold any my score history I think this is 4pts also
TU8 seems immune to any 5% aggregate threshold and any 10% individual threshold though, at least on my dirty profile. My TU8 score stayed at 700 June 2025 through Feb 2025. It didn't budge when crossed up and down over the 5% aggregate, nor did it for 10% individual, nor did dropping down from 3/7 to 2/7 reporting change it over that stretch. I finally gained +6 on 3/1 (crossed the 12 month mark for my only remaining HP on 2/23). Yesterday when the 2 cards referenced above reported bringing down to that 4.39% and no movement.
@radiofrequencies wrote:Thanks for sharing those data points. It definitely reinforces the fact that the FICO 8 algorithms vary slightly by bureau. The +4 on EQ8 after moving from 4.98% to 4.39% aggregate utilization suggests a possible 5% aggregate utilization threshold but at the same time total balances moved from $3,695 to $3,430. Couldn't that also suggest a $3,500 total balance threshold for EQ8 on your profile?
One thing I've always wondered is can the total balance thresholds be profile dependent? For example, does someone with a $15,000 TCL have the same total balance thresholds as someone with a $350,000 TCL?
Regarding your score gain on TU8 on 3/1, it's my understanding that HPs impact scores for 365 days so you should have seen the score increase from the HP turning 1 year old on 2/23/2026. Are you monitoring your TU8 via CreditWise? CreditWise updates daily but requires you to login once a day for daily updates. So I guess it's possible that you didn't log in between 2/23 and 3/1 to trigger a fresh soft pull and saw the HP points come back when you logged in on 3/1.
Another question for you... you said you have 7 credit cards. Do you have any other open accounts on your credit reports like installment loans?
I have no installment loans, it's a revolver only profile. As for monitoring my TU8, it was refreshed during that time period, including 2/28.
Given that I didn't get them back when 365 days passed that leads me to the thought that TU8 doesn't penalize for the first HP, at least on a dirty profile. I still can't figure out that 6pt TU8 gain on 3/1. No reason I can think of holds up. My highest utilization individually was 9.5%, but in the months prior crossing over and on any 9% or 10% threshold had no impact, also I was at 4.97% aggregate and crossing over any 5% threshold prior had no score change either. Something changed or aged, but I have no clue what.
@BrutalBodyShots my AoOA as shown on myFICO is 4yrs 5mo, AAoA and AAoRA is 3yrs 1mo. So per myFICO I would have hit 3yrs AoORA in March, however only TU8 went up. No change to EQ8 or EX8 for March 1st or on my 3/3 3B pull. A couple weeks later, EQ8 went +4 and EX8 went +3, but those appears to be utilization or raw balance driven. They were timed with reporting and have moved from 704 to 708 and 700 to 703 on mulitple occasions when my reported balances were at the same level. It doesn't make sense to me that only TU8 would increase from an aging metric (if that's what's behind the increase), but not EQ8 or EX8.