So, I found this quite interesting.... SO had his Cap One at 22% ind utilization (<30% agg) and today his Cap One reported 66% ind util (still <30% agg) and had zero scoring impact, strangely enough. I saw this on MyFico, but they lag on scoring, so I checked the EX website and the scores update daily and this change posted and there were nonscoring changes...weird, right? Usually hitting >29% and definitely >49% util has a scoring impact. Even his EX 2 did not change? Note his EX has no collections reporting. Just 1 CO due to age off in a couple months, so he is not on a PR scorecard, but is on a "dirty" scorecard. I noticed TU was impacted, but damage was minimal: -3pts for Fico 8 (not sure of the other scores). TU is also "dirty", w/ the 1 CO, lates on his SLs (argh), and 1 "nuisance" CA (<$100) that does not impact his F8s/9s. Just thought it was in interesting DP to share!
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22% > 66% ind utilization - no scoring impact on EX?

1 of 4
2 years ago
Sat Jun 11, 2022 6:34 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 38 minutes Next Level in22 days, 10 hours, and 22 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 38 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 38 minutes ago
So, I found this quite interesting....

SO had his Cap One at 22% ind utilization (<30% agg) and today his Cap One reported 66% ind util (still <30% agg) and had zero scoring impact, strangely enough.

I saw this on MyFico, but they lag on scoring, so I checked the EX website and the scores update daily and this change posted and there were nonscoring changes...weird, right? Usually hitting >29% and definitely >49% util has a scoring impact. Even his EX 2 did not change?

Note his EX has no collections reporting. Just 1 CO due to age off in a couple months, so he is not on a PR scorecard, but is on a "dirty" scorecard.

I noticed TU was impacted, but damage was minimal: -3pts for Fico 8 (not sure of the other scores). TU is also "dirty", w/ the 1 CO, lates on his SLs (argh), and 1 "nuisance" CA (<$100) that does not impact his F8s/9s.

Just thought it was in interesting DP to share!
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: 22% > 66% ind utilization - no scoring impact on EX?

2 of 4
2 years ago
Sat Jun 11, 2022 7:23 pm
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level55 Last INQFriday, February 14, 2020 Gardening For4 years, 7 months, 2 days, 13 hours, and 38 minutes Next Level in27 days, 10 hours, and 22 minutes on October 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 7 months, 2 days, 13 hours, and 38 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 7 months, 2 days, 13 hours, and 38 minutes ago
LaHossBoss wrote: ↑Sat Jun 11, 2022 6:34 pm SO had his Cap One at 22% ind utilization (<30% agg) and today his Cap One reported 66% ind util (still <30% agg) and had zero scoring impact, strangely enough.
At 66% individual, that sure is interesting! I was expecting a score change when my Amex BCE reported at 20% individual while aggregate changed from 13 % to 14%. Nothing happened on any of the EX scores. Still getting -/+5 switching from 14 to 15 and back to 14% aggregate on EX 8's. I'm sure this is because I have a relatively low total credit limit of $46,000 to test with, along with a credit file that's still less than 5 years old.
Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
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Re: 22% > 66% ind utilization - no scoring impact on EX?

3 of 4
2 years ago
Sun Jun 12, 2022 9:38 am
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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 38 minutes Next Level in22 days, 10 hours, and 22 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 38 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 38 minutes ago
@Cassie , was that recently? Do you think there is a glitch with their scoring? I am thinking maybe not, since TU was only minimally impacted, as well, but it sure does seem strange!
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: 22% > 66% ind utilization - no scoring impact on EX?

4 of 4
2 years ago
Sun Jun 12, 2022 10:05 am
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level55 Last INQFriday, February 14, 2020 Gardening For4 years, 7 months, 2 days, 13 hours, and 38 minutes Next Level in27 days, 10 hours, and 22 minutes on October 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 7 months, 2 days, 13 hours, and 38 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 7 months, 2 days, 13 hours, and 38 minutes ago
LaHossBoss wrote: ↑Sun Jun 12, 2022 9:38 am @Cassie , was that recently? Do you think there is a glitch with their scoring? I am thinking maybe not, since TU was only minimally impacted, as well, but it sure does seem strange!
Yes, just last month! I'm losing points at 5,10, and now 15% aggregate. When it goes back to 14%, EX 8 goes up 5 points. There has to be a cutoff for this on one of the oldest or average age metrics.
Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
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