@Anonymous wrote:
Very nicely done. Congratulations!
Old number two is definitely sensitive.
What were the before and after individual utilizations on that card please?
And if you drop down one more that “number of accounts with a balance” negative reason code is going to go away and give you some points I bet.... Well on second thought, it may not go away due to installment loans? But I bet you there’s some more points!
Thanks!
The Chase that went to 0% was at 7% util (it was at 4% before it upped to 7%).
Sadly, nothing I can do about those installments 
(at least they're somewhat paid down, I s'pose).
Next couple of months should just be about aging (one of the loans will drop to <59%, the other to <89% but overall won't change as much).
I'll still work on getting that AU down to 0, but I'm not totally unhappy with the gains so far 
In line with what I see on EX FICO 2: it's pretty sensitive to accounts with balances and it's easy for me to move 15 points or so just by letting a few stray balances report and that's with 20 open revolvers currently (which could effectively be less with how particular FICO 98 is with what cards count).
FICO 8 is a lot more lenient on that, I have put charges on like half of my revolvers in order for it to move at all and it's maybe 10 points currently on that. Not relevant as someone suggested near 800, but the older scores, when it counts, I put as much lipstick on the pig as possible for all that two of my bureaus are gold plated these days.
Out of curiosity how high was that balance that you saw the balances complaint on it? I had it with my maxxed HELOC, don't seem to have it now with a 2006/25000 balance/limit hanging out currently.
@calyx wrote:
@Revelate wrote:In line with what I see on EX FICO 2: it's pretty sensitive to accounts with balances and it's easy for me to move 15 points or so just by letting a few stray balances report and that's with 20 open revolvers currently (which could effectively be less with how particular FICO 98 is with what cards count).
FICO 8 is a lot more lenient on that, I have put charges on like half of my revolvers in order for it to move at all and it's maybe 10 points currently on that. Not relevant as someone suggested near 800, but the older scores, when it counts, I put as much lipstick on the pig as possible for all that two of my bureaus are gold plated these days.
Out of curiosity how high was that balance that you saw the balances complaint on it? I had it with my maxxed HELOC, don't seem to have it now with a 2006/25000 balance/limit hanging out currently.
My biggest takeaway from all of this is to never try to get in with a lender that uses anything but FICO8/9 (again, anyway).
In the meantime, I'm off to Sephora to get the most beautiful lipstick as I can for my little piggie.
The balance on that Chase was 1229/17000 (previously: 588, which was still showing the reason code), so the reported balance was not very high either in terms of straight dollar amounts nor utilization percentages, which is why I attribute it to # or % of accounts reporting.
My current balance is/are 2080/24.2k - AU is sitting at 695/15.8k
Strange I don't have that reason code at 2006/25000 currently on a single tradeline. It had pushed off consumer finance account before and I have that now so I assumed it just wasn't a thing at that level.
Might see it as seeking credit and new accounts keep fading; or maybe there's an escalating penalty but it was clearly in the reason codes with my 25k/27k HELOC last December.
So, as I head into the final stretch - I went ahead and made a spreadsheet in my credit tracking workbook/file.
I pulled older reports to grab a little more data, and hopefully this is more helpful for those who love data.
Let me know if there's anything I should add.
I accidentally let my AMEX report (it closed a day earlier than expected), which will hopefully report after the 1st to isolate any AOYA bump.
The AU should report 0 shortly thereafter.
I'll keep tracking as I let all of my cards report and watch FICO2 🔥🔥🔥 because after dealing with this (I hate micromanaging credit to this extent), I want to watch it crash.
