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2 years ago
Sun Feb 19, 2023 9:22 pm
AllZero
Outlier
AllZero has been gardening for over 2 years.
Experian FICO 8: -46 points, 780 -> 734. Going from 5% to 11% aggregate utilization.
Aggregate crossed one threshold at 9.5%
Individual hit five thresholds; 29.5, 49.5, 69.5, 89.5, 100% (I'll have to test my profile to see if there is a score change between 100 to 90%. I've only tested it 100 to 89% on a single revolver).
CC1 at 100% individual utilization.
CC2 at 99% individual utilization.
Amount of Debt rating changed from Very Good to Good.
AWB Open revolving accounts went from 4 to 6 reporting a balance. Shouldn't make a difference on EX8 but should for EX2.
Before negative reason codes:
Short account history
After negative reason codes:
High credit usage
Short account history
I've maxed out one revolver before. I'll have to refer back to my data and compare the scorecard assignment and points loss.
Plagiarized part of Cassie's template.
Click images to enlarge them.
- Classic 8 Scorecard CLEAN/THICK/MATURE/NEW-REVOLVER
- Date of Last Inquiry and/or New Account Opening March 26th, 2022