aggregate UTI DP for below 4% on AZEO?

[Anonymous]

Sorry if its been discussed but I just cant seem to find it. Ive seen DPs on Aggregate UTI at 4% and 8%, but what about less than 4% aggregate UTI? I see posts where leaving a small bal on a card ($10 or so) but sometimes it hits as 0% UTI.

Im curious as to any DPs on agg UTI at 1-5% (or $ amounts) assuming rest of file is AZEO. I mean is 0.50% or 1% too low for agg UTI?

[SouthJamaica]

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@Anonymous wrote:

Sorry if its been discussed but I just cant seem to find it. Ive seen DPs on Aggregate UTI at 4% and 8%, but what about less than 4% aggregate UTI? I see posts where leaving a small bal on a card ($10 or so) but sometimes it hits as 0% UTI.

Im curious as to any DPs on agg UTI at 1-5% (or $ amounts) assuming rest of file is AZEO. I mean is 0.50% or 1% too low for agg UTI?

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I don't believe there is any such threshold.

[GatorGuy]

Even if it shows at 0% util, the algorithm does not treat it as such if there is a balance. 

[Anonymous]

So 1-7.99% UTI shows as O%? 

im just trying to figure how low is TOO low. 

[SouthJamaica]

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@Anonymous wrote:

So 1-7.99% UTI shows as O%? 

im just trying to figure how low is TOO low. 

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Below $10 is too low.

[Anonymous]

$11? Lol. 

I think it's all relative,, there has to be a number that triggers "too low". 

I mean if I had a card w a $10k CL and had $20 bal or a $200 bal, would there be a score difference if AZEO? 

[USMC_Winger]

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@Anonymous wrote:

I mean if I had a card w a $10k CL and had $20 bal or a $200 bal, would there be a score difference if AZEO? 

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Yes.  With the AZEO method, the $200 balance would result in a slightly lower FICO 8 FICO 2 score than the $20 balance would.  The highest reported balance that still qualified for AZEO is $147.  No accompanying CL for the revolving account was mentioned.

<Edited for correction to FICO 2 scoring model.  Sorry, folks, but thanks, @Anonymous, for the correct info.>

[Anonymous]

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@USMC_Winger wrote:

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@Anonymous wrote:

I mean if I had a card w a $10k CL and had $20 bal or a $200 bal, would there be a score difference if AZEO? 

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Yes.  With the AZEO method, the $200 balance would result in a slightly lower FICO 8 score than the $20 balance would.  The highest reported balance that still qualified for AZEO is $147.  No accompanying CL for the revolving account was mentioned.

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No that was for version 2 not version 8. It would make no difference on version eight unless the tradeline had a low CL causing individual or aggregate utilization to rise above 4.5%.

@Anonymous $.99 is too low, one dollar reported will prevent the AZ loss. However be careful, because some FIs forgive small balances, so if you left two dollars with a particular lender they would forgive it and it would report a zero, but for instance with Chase, you could leave a one dollar balance and not see a loss. Best practice is $10, imho.

[Anonymous]

Aight then. 
I'll keep it as is for now. 1 bal w UTI at 2% is fine. I'll see if I can duplicate it next month with a $10-20 Val and see if that moves the dial 

thanks for the feedback!