So excited: Score constantly rising and I'm up 5 more points- thanks to this group!!!
Beginning of journey, 2019/2020: EX: 530, TU: 510, EQ: 525
yesterday: EX: 684, TU: 672, EQ: 670
Today: EX: 689, TU: 675: EQ: 676
12/22 : 
@MrFiah wrote:
@cashorcharge wrote:
@MrFiah wrote:@Suzette2 @cashorcharge Does AZEO show up in Vantage 3.0? The reason I ask is that I don't have a FICO score yet but when I had one card report a balance my VS when down a couple points. Left about 18% utilization on one card, total utilization under 4%. This wasnt done intentionally as I try to PIF each month so the balance reported on the card with a lower CL. I think for AZEO to work, I'd want the balance to report on the higher CL card and keep both total and each card utilization under 8%...Thoughts...
For AZEO to give you a boost....all cards but 1 need to post zero. The utilization during the month doesn't matter...the balance on the posting date does. While I don't know how much you'll get out of Vantage for AZEO, I do know for FICO you will..
I think I understand it correctly, what is actually spent each month doesn't matter. In my situation, one card closed and reported a $98($500 limit) balance. The other card closed and reported a zero($2500 limit). Wasnt sure if it's because I had a higher than desirable utilization (18%) on the one card or if it's a difference in Vantage VS FICO scoring.
Exactly. It's not what you spend in a month. For example, I have heavy spend on many of my cards. When they report, they're all zero/azeo, except just ONE. That one is around one-8 percent. I alternate which ones report. Once they report, I promptly pay off to not have interest charged.