Do we understand how mortgage scores deal with higher limit cards?

That’s a bummer, @DustinD. I’m with @BrutalBodyShots, I don’t think you’re stuck at $10k. Personally, I haven’t found counteroffers to be as common as some people claim. Who knows why, but I get the impression there are situations where they would be willing to give some increase, but they don’t counter.

My BCE is my only amex card, opened Dec 1st 2021. No CLI yet.

I have 43k exposure with all institutions, $700 paid balance with citi. 750-760 FICO 8s.

I will try for a smaller amount.

Was the denial you got instant, or was it a message that said you'd get a response in X days? You could always play the game where you submit a request with a certain amount, then submit another right after with a smaller amount and continue that process similar to how it has been doing with a POI prompt from Amex.

I would definitely start with an income update with them though. Who knows, maybe their system had a hiccup and dropped a "0" off the end of your income or something silly.

Sorry I’ve been absent for a few days I needed a break. I can’t wait to see those results on 4/20 lol. See if I have to eat my words? I think you’ve isolated it and I’m glad you went ahead and did that because now we’re gonna know for sure! Where do we need to start testing for the other one? My next navy should take me to 40 but you’ve already tried that.

And yeah you’ve definitely got more room on that American Express! That is weird. I would update income & try again or make contact as suggested.

Birdman wrote: ↑Fri Apr 01, 2022 11:32 am Where do we need to start testing for the other one? My next navy should take me to 40 but you’ve already tried that.

I have been thinking about that too. Yes, I tested $40K. TU4 and EQ5 saw that as a card for AZEO purposes. I think my Amex Delta is eligible for an increase. It’s at $40K now. I’ll probably take it to $45K, get a DP there, and then react accordingly. If we had a suspected cutoff number between 40 and 45, I might go to it instead. But I don’t think we have any knowledge of where it is. I was shocked to get the result I did at 40!

Justaguy wrote: ↑Fri Apr 01, 2022 5:07 pm

Birdman wrote: ↑Fri Apr 01, 2022 11:32 am Where do we need to start testing for the other one? My next navy should take me to 40 but you’ve already tried that.

I have been thinking about that too. Yes, I tested $40K. TU4 and EQ5 saw that as a card for AZEO purposes. I think my Amex Delta is eligible for an increase. It’s at $40K now. I’ll probably take it to $45K, get a DP there, and then react accordingly. If we had a suspected cutoff number between 40 and 45, I might go to it instead. But I don’t think we have any knowledge of where it is. I was shocked to get the result I did at 40!

Me too I can’t wait for your upcoming test!

Test result: My EX file updated today. My Lowest Limit Card with Balance went from $27,000 to $27,100. My EX2 didn’t change; I am still not being hit with the AZ penalty. So $27k isn’t the cutoff. Also noteworthy, Rev recently retracted his claim that $27k was the cutoff. Link.

Anyone have thoughts in what number I should test next? I’m thinking $28,500.

I think that would be a good mid-point, probably forcing you to one thousand or the other after it in either side.

Speaking of Rev, do you think he'll ever come here to play at some point?

Dang that really throws me I was sure it was 27,000. I think it’s wiser to shoot for a higher number because it’s always easy to get a CLD. For instance with Chase you can just send a SM and it’s done and I’m sure you can do that with many lenders, they don’t have a problem with the CLD.

Actually I found a lot of wisdom in your test at $100. It made me realize it was unwise that when I got my last increase from Navy that I made it an even number. I should’ve kept it an uneven number, then I could’ve tested and moved down. Speaking of which I should have some upcoming increases that might be able to put me at some numbers worthy of testing. Looking forward to being able to contribute. And that is very informative about Rev.

Yes I really respect Rev and I’ve learned so much from him. I do hope that he would like to join here sometime and I’ve been considering the appropriate time to invite him.

I can say that from him and TT, I learned the most about Scoring, besides my independent research reading testing etc. I read a ton of their threads and then I read all that FICO documentation and all the hundeds of thousands of threads on MF. Plus I went back-and-forth with them a lot and they taught me a lot. Much respect for both of them and also I learned a great deal about derogatories and the legalities from RobertEG.

I would love to see all of them here one day and I wonder if anyone has contact with TT or RobertEG?

I had set this project aside for a few months, but I’m back to it now. It’s a bummer that EX changed their presentation of scores, and — as far as I can tell — it is now impossible to view past scores other than EX8 on their CMS.

The other salient change is I now have two Amex non-charge cards. Recently added a BCE, and already had Delta Blue. The CLs on the two cards add up to $50k. The Amex website has a nifty tool to reallocate those limits almost at will, so it’s even easier than before for me to test this stuff.

Currently, my Lowest-Limit Card with Balance (LLCwB) is a $6k Citi card. I’m an AU on it, but we don’t think EX2 treats those differently than Individual Responsibility cards. I’m not getting the AZ penalty on EX2, obviously. My second-LLCwB is a $24k Chase card. Next lowest is $34k, which EX2 ignores for AZ purposes. I have set the CL on one my Amex cards at $28,500, but it currently has a reported balance of zero.

My plan is to zero out the Citi card, then let a small balance report on the Amex, then zero out the Chase card, hopefully on a day when I have no other changes. That will raise my LLCwB from $24k to $28,500. Depending on whether the AZ penalty appears on EX2, we should learn whether the cutoff is above or below $28,500. I should have results around mid-June.

Going to CCT select 'reports', pick an earlier date, then 'print' seems to get the entire Experian report. Not sure of the best method to view older 3B reports and get the other scores.

I was approved for 21k, beats the 10k SL and any other card I have, but not useful for this testing.

DustinD wrote: ↑Wed Jun 01, 2022 11:14 am Going to CCT select 'reports', pick an earlier date, then 'print' seems to get the entire Experian report. Not sure of the best method to view older 3B reports and get the other scores. I was approved for 21k, beats the 10k SL and any other card I have, but not useful for this testing.

Hey! Congrats on the big CLI! That’s huge! Re the EX thing, their new interface still allows us to select the date in the Reports section, so I can still see what my EX file looked like in the past. But the only score that includes is EX8. Up until a few weeks ago, we could also select the date in the Scores section, and see EX2 and some other scores for the date selected. They have now removed that function, and unless I’m missing it, there is now no way to see any EX2 score other than the current one. Does anyone know a workaround?

Select the print button on the reports page, that has always generated nice reports for me. It looks more like the reports you get from the bureaus if you request the official report, but with better formatting and it has all of your scores. From there you can print to pdf if you want.

DustinD wrote: ↑Wed Jun 01, 2022 12:52 pm Select the print button on the reports page, that has always generated nice reports for me. It looks more like the reports you get from the bureaus if you request the official report, but with better formatting and it has all of your scores. From there you can print to pdf if you want.

Wow! I had no idea it showed all the typical scores there, but you’re right, it does. That’s perfect. Thank you so much!

Scared the crap outta me! @Justaguy thats awesome!!! We’ll be able to precisely find the exclusionary cutoffs!!!! You are awesome!!!