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 . Screenshot_20230219-171618~2.png
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Re: EX8 & EX2 Data Point: Maxing out 2 CCs

33 of 37
A year ago
Thu Mar 23, 2023 12:49 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 44 minutes Next Level in6 days, 3 hours, and 16 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 44 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 44 minutes ago
AllZero wrote: ↑Wed Mar 22, 2023 11:20 pm Here's a partial update on VantageScore 3.0: +165 EQ Fako points for the same update as above. Screenshot_20230322-201619~2.png
That's the largest point gain I've seen yet! I also saw that VS3 has a 'number of accounts above 50%' characteristic, with a significant jump when nothing is above that line.
Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
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Re: EX8 & EX2 Data Point: Maxing out 2 CCs

34 of 37
A year ago
Thu Mar 23, 2023 7:40 pm
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AllZero
Outlier
AllZero has been gardening for over 2 years.
Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 20 hours, and 44 minutes Next Level in18 days, 3 hours, and 16 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 20 hours, and 44 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 20 hours, and 44 minutes ago
Cassie wrote: ↑Thu Mar 23, 2023 12:49 am
AllZero wrote: ↑Wed Mar 22, 2023 11:20 pm Here's a partial update on VantageScore 3.0: +165 EQ Fako points for the same update as above. Screenshot_20230322-201619~2.png
That's the largest point gain I've seen yet! I also saw that VS3 has a 'number of accounts above 50%' characteristic, with a significant jump when nothing is above that line.
Yes, quite a surprise to see a huge jump. I haven't paid attention to the VS3 characteristics. I'll try to pay more attention to them. TU updated. Same increase too.
Screenshot_20230323-085720~2.png 72.78 KiB Viewed 74 times
AllZero
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Re: EX8 & EX2 Data Point: Maxing out 2 CCs

35 of 37
A year ago
Thu Mar 23, 2023 7:49 pm
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AllZero
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AllZero has been gardening for over 2 years.
Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 20 hours, and 44 minutes Next Level in18 days, 3 hours, and 16 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 20 hours, and 44 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 20 hours, and 44 minutes ago
Heres the rest of the FICO 8 update EQ8 775 -> 819 TU8 779 -> 830
Screenshot_20230323-164454~2.png 61.79 KiB Viewed 73 times
Screenshot_20230323-164515~2.png 64.7 KiB Viewed 73 times
AllZero
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Re: EX8 & EX2 Data Point: Maxing out 2 CCs

36 of 37
A year ago
Fri Apr 07, 2023 1:45 pm
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AllZero
Outlier
AllZero has been gardening for over 2 years.
Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 20 hours, and 44 minutes Next Level in18 days, 3 hours, and 16 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 20 hours, and 44 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 20 hours, and 44 minutes ago
Here's a preview of maxing out 2 CCs round 2. This'll take a little bit longer to collect data points.
Screenshot_20230407-104223~2.png 70.87 KiB Viewed 58 times
AllZero
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Re: EX8 & EX2 Data Point: Maxing out 2 CCs

37 of 37
A year ago
Sat Apr 08, 2023 9:50 am
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 5 days, 20 hours, and 44 minutes Next Level in24 days, 3 hours, and 16 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 20 hours, and 44 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 20 hours, and 44 minutes ago
That’s a lot of points! Good job, it’s a shame it put you two points into territory with no reason codes, but we know what the main factors at play are. Goes to show how punitive the older scores are.

Is EX8 as forgiving on young or thin scorecards though?
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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