With a house sale, required payoffs of several loans associated with buying a new home, I expect to see some changes to scores in the next month or two. So I'll start a simple view to Utilization and Card Count on FICO 8 scores to see what happens.
As of 20 March 2021 several payoffs have occurred, but not yet reported. AMEX Hilton just updated alert for a change to near zero, the AMEX Marriott will be going to zero this week and will result in Aggregate Utilization crossing below 10% for the first time in a while.
There are two loans I am co-signer on, which I had to pay off for the new mortgage. Those are not in the TU Bankcards list, but I'll be watching to see whether they show up in alerts.
Chase Hyatt pays down this week, another significant balance reduction. It was a fun vacation in Vail 
After all this, in mid April, I will be bringing the PenFed Promise balance down, so it crosses below 30%.
Eventually I would like to get to a point where most charge activity is on the three AMEX Chargers, to see how that affects scores.
I have a MyFICO 3B report from 11 March, will add those scores to this thread soon.
Other data:
Last new account Dell Financial, January 2020. It is included in these TU All Bankcards balances.
Prior to that AMEX Green opened October 2019, Apple Card August 2019, AMEX Platinum March 2019.
Last INQ is February 2021 for the PenFed mortgage coming up.
The PenFed Mortgage score on 1 February was 747 on EQ Beacon 5. This is odd, as from what I can see, Beacon 5 is the same as the EQ Mortgage 5, which is 733 as of 11 March. The overall balances list was very similar on 1 February vs 11 March.
Accounts that will be zero by tomorrow, reporting whenever the banks get a Round Tuit;
BECU Auto co-sign
BECU term loan Co-Sign
US Bank Mortgage
Wells Fargo Second
When these go to zero, there is likely a gap before the PenFed Mortgage reports, so likely a timeperiod where I won't have any active Term Loan or Mortgage.
I have a BECU LOC with a balance, although that is not technically a Term Loan and does not seem to be in my TU Bankcards listing.
March 11 2021 scores listing:
@Anonymous wrote:Off topic question, but is Dell Financial coded as a CFA?
I don't see any Reason Codes that refer to a Consumer Finance Account. It is theoretically possible that because nearly all my accounts report, and I've got relatively high utilization, that busy list of reason codes may be forcing out any CFA Reason Codes, which may appear once utilization comes down, and new accounts age a bit more.
The Loan Type on the MyFICO report, for all three bureaus is "Charge Account".
So I can't say that it is Not CFA, just that I don't see any CFA references in my reports.
As with a lot of credit items, it depends who is the bank, I guess.
If there are examples of others financing a computer through a local store, those examples should include identifying who the financing bank is. The items financed on my Apple Card are included as part of the balance, on the credit card, which has been discussed elsewhere. Other than Best Buy, not many other computer financing stores come to mind anymore, sadly.
@Anonymous wrote:I didn't know that Dell Financial was a revolving account. It sounds like a loan. I know many people have reported financing a laptop (loan, equal monthly payments etc) and have had the financing result in a CFA flag. I'm not saying Dell specifically, but it's definitely been the case with computer-related stuff that's financed in-house.
They have both revolving and installment lines at Dell Financial last I checked. May also depend personal vs corporate financing.
Chase Freedom Unlimited paid to zero, so Chase sent the zero info. TU picked it up, and added 5 points to 803.
Went from 14/16 revolvers with a balance, to 13/16.
Two other cards increased, per the other bureaus, but those did not get to TU yet.