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3 years ago
Thu Jan 20, 2022 5:59 pm
LaHossBoss
Outlier
LaHossBoss has been gardening for over 2 years.
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)
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!Click images to enlarge them.
- Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
- Classic 8 Scorecard DIRTY/PUBLIC-RECORD/MATURE
- Mortgage Scorecard DIRTY/PUBLIC-RECORD
- AoOA 16y
- AoORA 14y 4m 2y 5m
- Date of Last Inquiry and/or New Account Opening December 9th, 2021