Update: FICO2 experiment (is it worth it?)

[Remedios]

No, Birdman, I was going from accidental AZEO to three reporting. 

Fico 2 is moody 😐

[Anonymous]

@Remmy Yes, Very moody indeed. Going from 11% of revolvers to 33% of revolvers to the tune of 21 points. Ouch!

I assume you have a clean aged file?

I told you it was touchy, @calyx!! Bet you think it’s worth the effort now huh?

[calyx]

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@Anonymous wrote:
@Remmy Yes, Very moody indeed. Going from 11% of revolvers to 33% of revolvers to the tune of 21 points. Ouch!

I assume you have a clean aged file?

I told you it was touchy, @calyx!! Bet you think it’s worth the effort now huh?

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I'll think it's worth the effort if SDFCU loves me when it's all over.

I'll ask for off cycle reporting of AMEX after other stuff settles - I think it will be more fun if I can isolate it, because why not?   Like I said, app isn't for another couple of months at least, so I have the time.   I'll report anything updates here just to keep the information together.

[calyx]

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@calyx wrote:

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In the meantime, Chase has reported 0% from its 42%  (my Chase, not the AU Chase).

Account util: 5/8 reporting util now.
Amex: 0% (Actual: $100)
Citi: 0%

Disco: 12%

Chase1: 3%

Chase2: 0%

ChaseAU: 5%

Sync: 9%

USBank: 0%

Total Util went from 5% -> 4%

FICO8 780 -> 786

FICO2 703 -> 705

 Disco reported at $0/0% so:
5/8 (or 62.5% revolvers/ 78% all) to 4/8 (or 50% revolvers/66% all)

Amex: 0% (Actual: $100)

Chase1: 3%

Chase2: 0%

ChaseAU: 5%

Citi: 0%

Disco: 12% 0%

Sync: 9% (Actual 8.6%)

USBank: 0%

No change in FICO8
FICO2: 705  -> 709

AMEX still hasn't updated (I am fascinated by this)
I was wrong about my INQ - it drops on the 9th...

Hour long drive to a festival today; spent most of explaining FICO2 and my deep, deep desire for SDFCU card and why I need that particular card. I'm not sure it helped, my partner just looked at me like I am deranged (which, tbf...)...

If push comes to shove, my ultimate plan is to just pay off the AU myself and the AU can pay me back when they'd normally PIF #noshame
The most annoying part is that they work in system security and I can't just log onto their computer and pay Chase, though there's no reason I can't do it over the phone

[Anonymous]

Goes to show version 2 has more thresholds; it appears to be a 50% threshold for revolvers.

So no luck with the favorite meal I take it? LOL at least you got a back up plan.

[calyx]

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@Anonymous wrote:
Goes to show version 2 has more thresholds; it appears to be a 50% threshold for revolvers.

So no luck with the favorite meal I take it? LOL at least you got a back up plan.

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"I like everything you make."

/sigh  
I'll just make... everything?  Except steak.   Who doesn't love steak?
Also, hit a good (and probably overpriced) bakery for favorite desserts (I bake, but I bake GF, and I'm not going to contaminate my stuff )

AND be prepared to call Chase, regardless

[calyx]

FICO2 update.

No change to utilization/AZE-whatever; but 1 INQ aged to a year.
5/8 (62.5%) -> 4/8 (50%)

Amex: 0% (Actual: $100; still hasn't updated - I'm STILL fascinated that it hasn't updated)

Chase1: 3%

Chase2: 0%

ChaseAU: 5%

Citi: 0%

Disco: 0%

Sync: 9% (Actual 8.6%)

USBank: 0%

FICO8: 786 -> 790

FICO2: 709 -> 715

[calyx]

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@calyx wrote:

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Disco reported at $0/0% so:
5/8 (or 62.5% revolvers/ 78% all) to 4/8 (or 50% revolvers/66% all)

Amex: 0% (Actual: $100)

Chase1: 3%

Chase2: 0%

ChaseAU: 4%

Citi: 0%

Disco: 12% 0%

Sync: 9% (Actual 8.6%)

USBank: 0%

No change in FICO8
FICO2: 705  -> 709

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New update:

AMEX updated at $0/0% so:
4/8 (or 50% revolvers/66% all) to 3/8 (or 37.5% revolvers/62.5% all)

Amex: 0%

Chase1: 3%

Chase2: 0%

ChaseAU: 4%

Citi: 0%

Disco: 0%

Sync: 8%

USBank: 0%

No change in FICO8
FICO2: 715 -> 716
No change to negative reason codes yet, btw.

Next update will be later this month when I get it down to AZE2 (Before month end, hopefully).

[Anonymous]

My guess is the next line is either 40 or 33.

[calyx]

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@calyx wrote:

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@calyx wrote:

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Disco reported at $0/0% so:
5/8 (or 62.5% revolvers/ 78% all) to 4/8 (or 50% revolvers/66% all)

Amex: 0% (Actual: $100)

Chase1: 3%

Chase2: 0%

ChaseAU: 4%

Citi: 0%

Disco: 12% 0%

Sync: 9% (Actual 8.6%)

USBank: 0%

No change in FICO8
FICO2: 705  -> 709

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New update:

AMEX updated at $0/0% so:
4/8 (or 50% revolvers/66% all) to 3/8 (or 37.5% revolvers/62.5% all)

Amex: 0%

Chase1: 3%

Chase2: 0%

ChaseAU: 4%

Citi: 0%

Disco: 0%

Sync: 8%

USBank: 0%

No change in FICO8
FICO2: 715 -> 716
No change to negative reason codes yet, btw.

Next update will be later this month when I get it down to AZE2 (Before month end, hopefully).

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While I was Not-Paying-Attention, one of my Chase cards reported.

716 -> 710, which has me wanting to punch EX2.    I pay off an account, I get 1 point, I let an account report, I lose 6.   Argh.

I'm going to pay it off today and hope it reports before the weekend.

Over the weekend I'll pay off the second Chase.

Hopefully this will let me isolate points, because science!