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2 years ago
Wed Nov 09, 2022 1:21 am
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Wow, this was harsh! -36 points, with some amount coming from a card reporting above 50% util.
When my Amex BCE updates to $0 this month, I'll be able to see what the penalty is on VS3 for an individual account above 50%.
Aggregate will drop back to 24%, but my Discover card will still be showing above 50% util until it reports paid next month. (Setting that sweet High Balance for my theory about their internal lending algorithms.
Hey it could be something to that...)
![Laughing :lol:](./images/smilies/icon_lol.gif)
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![Credit Union Mastercard | $10,000 Image](/forum/images/cards/c-red-mastercard.png)
![Citi Costco Anywhere Visa | $18,000 Image](/forum/images/cards/c-citi-costco-visa.png)
![American Express Blue Cash Everyday | $20,000 Image](/forum/images/cards/c-amex-bce.png)
![Discover it | $16,000 Image](/forum/images/cards/discover-it-pink.png)
- 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