Update: FICO2 experiment (is it worth it?)

[Anonymous]

As for the table, it looks beautiful. I would make a notation of what the age of your oldest account is somewhere for scorecard classification purposes. Also, individual revolvers are under 28.9%? Or 8.9%?

Last thing, unless I’m misinterpreting or misunderstanding, it’s saying 12.5% where it should be saying 25% for 2/8 revolver’s with AU. If I’m not misunderstanding, you might wanna update the formula for that. Other than that, it looks beautiful to me. Great job!

It looks like you’re having fun doing all this, 😉 but that score has came up nicely!

[calyx]

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@Anonymous wrote:
Uhhhh, @calyx...Check this out, you may wanna read this. Turns out there’s a bug in version eight so you might expect a drop on your score on version eight whenever you execute the strategy for EX2. But thankfully the bug doesn’t apply to EX2. Just version eight and who knows maybe nine

Either way don’t be alarmed if you see 8 go down for a minute. Not the score you’re worried about.

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/AU-experiment-amp-score-drops-from-small-balance-to-0-balance/td-p/5808798

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Good to know!  Thanks! 

And it's not bad if it dips, but I might've spent too much time spinning wheels trying to figure it out!  haha.

[calyx]

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@Anonymous wrote:
As for the table, it looks beautiful. I would make a notation of what the age of your oldest account is somewhere for scorecard classification purposes. Also, individual revolvers are under 28.9%? Or 8.9%?

Last thing, unless I’m misinterpreting or misunderstanding, it’s saying 12.5% where it should be saying 25% for 2/8 revolver’s with AU. If I’m not misunderstanding, you might wanna update the formula for that. Other than that, it looks beautiful to me. Great job!

It looks like you’re having fun doing all this, 😉 but that score has came up nicely!

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All individual revolvers are <9%
And good catch! I was trying to key too fast and entered "1" instead of "2" for that cell
I'll add in aging as well, as expected, my AU is my oldest (otherwise why bother?!  lol), so I'll probably throw both in there (mine and AU), although neither are near any known threshholds or the 0m/6m timeframe (currently 196m/16m)

[Anonymous]

Excellent! I can’t wait to see what the outcome is when you only have the one report. I wonder how many points more it will be? We will know soon.

[calyx]

@Anonymous - AU was paid last night (should post tomorrow-ish), so I will actually hit AZEO, and all of the accounts should post on different dates - so the datapoints should be clean.   I will also be able to see if I get that FICO8 dip that others report (on EX, anyway).

27/28th = AU updates 0
1st = Any Aging

2nd = Card2 (Amex) should update to 0 (currently at 0)

4th = Card3 (Disco) should update to 0 (currently at 0)

Cards 2 & 3 reliably report to EX, so I don't forsee any troubles.

If anyone lags (Amex did last month for some reason), the next card doesn't post til the 18th.   No recurring charges upcoming.    And, of course, starting the 20th or so, I'll start documenting the burninating of EX2 as cards start re-reporting.

[Anonymous]

The others are already at zero reported, so we should know something tomorrow! I’m excited I can’t wait! You did say the AU was Chase though so it should pretty reliably report tomorrow.

[Anonymous]

When you said currently zero did you mean on your report or in reality?

[calyx]

Actually, my AMEX reported a balance because it reported a day earlier than expected.   It's at <1%, but still there, so I'm technically at AZE3 at the moment.   AU will bring it to 2, Amex will bring it to 1.  Disco was already at 0.

I would've asked for an off cycle report, but I had another cycle reporting before I planned to app anyway, so I figured I'd fix it on my own

[calyx]

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@Anonymous wrote:
When you said currently zero did you mean on your report or in reality?

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Ooops!  Sorry for the confusion:  Card account is at 0 and should report as 0 on the cut off date.  Amex is currently $53 (grrrr)
Disco is 0, and Imma keep it that way

During all of this, I haven't changed my spend, because I'm not going to budge even a 0.01 on my rewards.  It would help if I stopped using my cards altogether, but AMEX is my daily driver, and Disco's current Amazon quarter has been pretty  nice

[calyx]

OK, so I have two new points:  
1)  Dec 1 had nothing happen, other than aging, so I think it looks like I might've gotten a small bump for AOYA of 6m   (the only other "obvious" would be the 12m AAoA, but that doesn't take AU into consideration, and I'm pretty sure my score does).

2)  Dec 2, my AU reported 0.

I am technically at AZE2 - I have 53/31500 reporting on Amex (which should update to 0 tonight, though it was a few days late reporting last month) and 2020/24200 on a SyncF retail card.

I had NOT expected the drop in FICO8 until I was at AZEO, and now I'm wondering if FICO8 does think I'm at AZEO and isn't counting the retail card?  I guess I'll find out in the next day or two if my score falls again/I get 'no use' as a negative reason code.