One less Account with Balance +11 on EX2

3 years ago

Wed Aug 11, 2021 11:35 am

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, 24 days, 13 hours, and 3 minutes Next Level in6 days, 10 hours, and 57 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 3 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 3 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 3 minutes ago

aj2121 wrote: ↑Wed Aug 11, 2021 11:29 am Had a $1 charge that was pending on my card that I didn't catch. I would have been able to cross the threshold again with only a $100 change in balance, but now I have a $1 balance reported that is just taunting me.

I hate it when crap like that happens when you're doing testing... screws everything up for another 30 days.

FICO8 EX: 715 EQ: 724 TU: 735 As of 4/6/22

3 years ago

Wed Aug 18, 2021 9:51 am

aj2121

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aj2121 has been gardening for over 2 years.

Level28 Last INQSaturday, April 23, 2022 Gardening For2 years, 4 months, 24 days, 13 hours, and 3 minutes Next Level in6 days, 10 hours, and 57 minutes on September 23rd INQ 1yr onSunday, April 23, 2023 INQ 1yr reached1 year, 4 months, 24 days, 13 hours, and 3 minutes ago INQ 2yr onTuesday, April 23, 2024 INQ 2yr reached4 months, 24 days, 13 hours, and 3 minutes ago

My only AU account reported terminated today. So that is one less AWB on EX, and I saw the exact increases as last time +11 on EX2 and +12 on EX2 industry options. Change in balances was only $71 and there was no utilization thresholds crossed with the AU termination.

Total number of accounts is 32. AWB changed from 13 to 12. AWB Ratio from 40.625% to 37.5%

3 years ago

Wed Aug 18, 2021 11:27 am

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, 24 days, 13 hours, and 3 minutes Next Level in6 days, 10 hours, and 57 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 3 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 3 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 3 minutes ago

Are we thinking number or percentage is at play here? 12 vs 13 or perhaps a 40% threshold?

FICO8 EX: 715 EQ: 724 TU: 735 As of 4/6/22

3 years ago

Wed Aug 18, 2021 1:47 pm

aj2121

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aj2121 has been gardening for over 2 years.

Level28 Last INQSaturday, April 23, 2022 Gardening For2 years, 4 months, 24 days, 13 hours, and 3 minutes Next Level in6 days, 10 hours, and 57 minutes on September 23rd INQ 1yr onSunday, April 23, 2023 INQ 1yr reached1 year, 4 months, 24 days, 13 hours, and 3 minutes ago INQ 2yr onTuesday, April 23, 2024 INQ 2yr reached4 months, 24 days, 13 hours, and 3 minutes ago

BrutalBodyShots wrote: ↑Wed Aug 18, 2021 11:27 am Are we thinking number or percentage is at play here? 12 vs 13 or perhaps a 40% threshold?

I would be interested in @Birdman's opinion on this. 40% threshold seems more logical, unless there is some other scorable factor that the number of revolvers with balance could affect on EX2.

3 years ago

Sat Aug 21, 2021 5:51 pm

Birdman

Primer AuthorCo-Founder

Birdman has been gardening for over 2 years.

Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 3 minutes Next Level in15 days, 10 hours, and 57 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 3 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 3 minutes ago

aj2121 wrote: ↑Wed Aug 18, 2021 9:51 am My only AU account reported terminated today. So that is one less AWB on EX, and I saw the exact increases as last time +11 on EX2 and +12 on EX2 industry options. Change in balances was only $71 and there was no utilization thresholds crossed with the AU termination. Total number of accounts is 32. AWB changed from 13 to 12. AWB Ratio from 40.625% to 37.5%

@aj2121 Sounds like AWB to me, I’m going to have to retest or go back over my numbers, I thought I found one at 45% AWB on EX2, but I wasn’t positive because I haven’t been able to keep up with everything because I’ve had so much going on this past month or two. I’ve got to sit down and do all my numbers and catch up, it’s gonna take me sitting down and doing it. 40% is something I had hypothesized previously and when 45% came up for me it was kind of throwing me off, I kind of felt like 40% was it. No BBS, I don’t feel like it’s raw number. I think that only counts on a thin file or when it’s just a few. You have plenty of open & Reporting Accounts so I don’t see how it would implicate payment history. And if no utilization or balance thresholds were crossed, then AWB seems to be the answer especially considering it matches up with your previous data. The termination should not have affected length of history or new credit, as long as it was terminated not removed. You have a variety of other credit with that many open accounts so I don’t see it implicating Mix. I think I agree with you that it’s AWB. I should also note that I have seen that exact score change 11 and 12 for AWB on EX2. So I think that’s what it was.