1 of 6
2 years ago
Tue Oct 25, 2022 10:05 pm
Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
This is on a young credit file (1y3m) with 1 single account: a revolving bankcard.
Credit Limit: $1,500
Balance change: $65 -> $397
Util % change: 4% to 26%
(both aggregate and individual util, since only 1 account on file)
Result on TransUnion FICO 8: -19 points
Keep in mind that on my own file, when it was under 2 years old, I consistently saw -3 points with a 4% to 5% aggregate utilization change. 3 of the 19 point loss here might be from crossing this threshold.
(The TU VS3 loss was -13 points.)
Click images to enlarge them.
TCL: $64,000 ACL: $16,000
- Tagline Loves long talks on the beach
- Score data EQ8:790 TU8:790 EX8:795
- Classic 8 Scorecard CLEAN/THICK/MATURE/NO-NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/MATURE/NO-NEW-ACCOUNT
- AoOA 6y9m
- AoORA 5y9m
- Date of Last Inquiry and/or New Account Opening February 14th, 2020