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.) bofa-change-26percent.png
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TU8 Data Point: 4% to 26% util, negative point change on young file

1 of 6
2 years ago
Tue Oct 25, 2022 10:05 pm
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 54 minutes Next Level in6 days, 3 hours, and 6 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 54 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 54 minutes ago
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.)
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Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
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Re: TU8 Data Point: 4% to 26% util, negative point change on young file

2 of 6
2 years ago
Wed Oct 26, 2022 12:00 am
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BrutalBodyShots
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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, 15 days, 20 hours, and 54 minutes Next Level in15 days, 3 hours, and 6 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 54 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 54 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 54 minutes ago
Do you think the rest of the points (16 or so) are from crossing the 9.5% aggregate threshold? That would seem just about right and reasonable to me.
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Re: TU8 Data Point: 4% to 26% util, negative point change on young file

3 of 6
2 years ago
Wed Oct 26, 2022 11:58 am
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 54 minutes Next Level in6 days, 3 hours, and 6 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 54 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 54 minutes ago
BrutalBodyShots wrote: ↑Wed Oct 26, 2022 12:00 am Do you think the rest of the points (16 or so) are from crossing the 9.5% aggregate threshold? That would seem just about right and reasonable to me.
Or maybe a little from the 10-19% range and a little from 20%-29%. I'd like to see results at each 5% step - 5, 10, 15, 20, 25, 30, etc.
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Re: TU8 Data Point: 4% to 26% util, negative point change on young file

4 of 6
2 years ago
Wed Oct 26, 2022 1:40 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, 15 days, 20 hours, and 54 minutes Next Level in15 days, 3 hours, and 6 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 54 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 54 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 54 minutes ago
It would be nice to see that, definitely.

My guess is that since the raw dollars are so low that the 9.5% threshold is probably the only point where there's a change. If you can get any other data on this definitely share back!
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Re: TU8 Data Point: 4% to 26% util, negative point change on young file

5 of 6
2 years ago
Wed Oct 26, 2022 2:15 pm
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 54 minutes Next Level in6 days, 3 hours, and 6 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 54 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 54 minutes ago
BrutalBodyShots wrote: ↑Wed Oct 26, 2022 1:40 pm It would be nice to see that, definitely. My guess is that since the raw dollars are so low that the 9.5% threshold is probably the only point where there's a change. If you can get any other data on this definitely share back!
That entire statement balance was already paid to $0, but she put a fresh $350 on the card after that which would report on Nov 8th. How about we test 19% ($285 of $1500) for any score change? (Change from 26% to 19%) That will show through the BofA portal around Nov 22nd.
Cassie
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Re: TU8 Data Point: 4% to 26% util, negative point change on young file

6 of 6
2 years ago
Wed Oct 26, 2022 7:28 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, 15 days, 20 hours, and 54 minutes Next Level in15 days, 3 hours, and 6 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 54 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 54 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 54 minutes ago
That sounds like a good spot to check.
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