Ok, so testing some thresholds for my new accts (and old ones). Unfortunately these are not super clean DPs because apparently both my Cap One QS and Citi Custom Cash reported at the same time on TU and EX. Custom Cash at 47% ind util (0% > 47%) QS at 28% ind util (8% > 28%) (EQ 8%) Best Buy at 25% ind util Cash+ at 45% ind util VS Store Card at 0% ind util Agg util 23% > 38% (EQ 23% > 34%) I crossed a lot of thresholds here, both individual and aggregate. Apparently on EQ only Custom Cash reported, so we will see what happens once QS updates. That will make this a little "cleaner". I do feel like EQ reacts a bit harsher than the other 2Bs because of the "recent" CA reporting. EQ F8 698 > 693 (-5pt) TU F8 717 > 715 (-2pt) EX F8 716 > 710 (-6pt) Screenshot_20220120-175605_myFICO.jpg Screenshot_20220120-175803_Experian.jpg Screenshot_20220120-175749_Experian.jpg I also did a 3B pull. I will type out those changes and post the negative reason codes SSs later. My plan for next month is: Custom Cash 47% > 29% (or less, but not <10%) QS 28% > 9% (or less) Best Buy 25% > 0% (or should I test <10%?) Cash+ 45% > 69% (or less, but not <50%) VS Store Card 0% = 0% I would like to have agg back under 30%, but we will see!
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Higher balances reported, but not too painful

1 of 6
3 years ago
Thu Jan 20, 2022 5:59 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level33 Last INQThursday, December 9, 2021 Gardening For2 years, 9 months, 7 days, 13 hours, and 33 minutes Next Level in22 days, 10 hours, and 27 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 33 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 33 minutes ago
Ok, so testing some thresholds for my new accts (and old ones). Unfortunately these are not super clean DPs because apparently both my Cap One QS and Citi Custom Cash reported at the same time on TU and EX. Custom Cash at 47% ind util (0% > 47%) QS at 28% ind util (8% > 28%) (EQ 8%) Best Buy at 25% ind util Cash+ at 45% ind util VS Store Card at 0% ind util Agg util 23% > 38% (EQ 23% > 34%) I crossed a lot of thresholds here, both individual and aggregate. Apparently on EQ only Custom Cash reported, so we will see what happens once QS updates. That will make this a little "cleaner". I do feel like EQ reacts a bit harsher than the other 2Bs because of the "recent" CA reporting. EQ F8 698 > 693 (-5pt) TU F8 717 > 715 (-2pt) EX F8 716 > 710 (-6pt)
Screenshot_20220120-175605_myFICO.jpg 155.43 KiB Viewed 81 times
Screenshot_20220120-175803_Experian.jpg 68.75 KiB Viewed 81 times
Screenshot_20220120-175749_Experian.jpg 158.06 KiB Viewed 81 times
I also did a 3B pull. I will type out those changes and post the negative reason codes SSs later. My plan for next month is: Custom Cash 47% > 29% (or less, but not <10%) QS 28% > 9% (or less) Best Buy 25% > 0% (or should I test <10%?) Cash+ 45% > 69% (or less, but not <50%) VS Store Card 0% = 0% I would like to have agg back under 30%, but we will see!
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: Higher balances reported, but not too painful

2 of 6
3 years ago
Thu Jan 20, 2022 8:20 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 33 minutes Next Level in6 days, 10 hours, and 27 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 33 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 33 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 33 minutes ago
I'm quite surprised by the insignificance of the score drops you saw.

Crossing 30% on aggregate in and of itself I would think would be 10-15 points on many profiles, not including the individual accounts. I think you made out pretty well!
BrutalBodyShots
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Re: Higher balances reported, but not too painful

3 of 6
3 years ago
Thu Jan 20, 2022 8:39 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level33 Last INQThursday, December 9, 2021 Gardening For2 years, 9 months, 7 days, 13 hours, and 33 minutes Next Level in22 days, 10 hours, and 27 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 33 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 33 minutes ago
BrutalBodyShots wrote: Thu Jan 20, 2022 8:20 pm I'm quite surprised by the insignificance of the score drops you saw. Crossing 30% on aggregate in and of itself I would think would be 10-15 points on many profiles, not including the individual accounts. I think you made out pretty well!
Me too! I expected to lose more points crossing 30% agg and for being over 30% ind on the Custom Cash.
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: Higher balances reported, but not too painful

4 of 6
3 years ago
Thu Jan 20, 2022 9:40 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 33 minutes Next Level in6 days, 10 hours, and 27 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 33 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 33 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 33 minutes ago
I'm guessing that on a dirty file you see less utilization-related loss than on a clean file?
BrutalBodyShots
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Re: Higher balances reported, but not too painful

5 of 6
3 years ago
Thu Jan 20, 2022 9:47 pm
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SoonerSoldier33
Seasoned RebelTeam Cash Back
Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 20 days, 13 hours, and 33 minutes Next Level in10 days, 10 hours, and 27 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 10 days, 10 hours, and 27 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 10 days, 10 hours, and 27 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 10 days, 10 hours, and 27 minutes
BrutalBodyShots wrote: Thu Jan 20, 2022 9:40 pm I'm guessing that on a dirty file you see less utilization-related loss than on a clean file?
I was going to second this. When FNBO dropped my CL from $8800 to $1000, it took my reported aggregate revolving utilization from 7% to 11%. Not a huge threshold, but we know 10% is a threshold. Result? 1 point score loss on TU and EX. 0 on EQ. It certainly has to be minimized by me being on a dirty scorecard IMHO.
SoonerSoldier33
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  • Score data TU FICO 8: 641 EQ FICO 8: 616 EX FICO 8: 649
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Re: Higher balances reported, but not too painful

6 of 6
3 years ago
Fri Jan 21, 2022 12:17 am
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 33 minutes Next Level in6 days, 10 hours, and 27 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 33 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 33 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 33 minutes ago
Great reference, @SoonerSoldier33 , thank you for reminding us!
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