I got myself into a bit of a bind and trying to figure out which is the best of a bad situation. SO got an increase on his Dell CC and it puts his agg util right at 10%. Unfortunately to get under that threshold it will be a bit tricky. Dell already reported for the month so making another payment to them is out. The only options I see are: 1) Let Cap One report $0. This means AWB will be 1 of 3 (1 of 4 incl AU) instead of 2 of 3 / 2 of 4 (AU). And I may just get agg right under the rounding point and get 9% to report. This also means only a store card will have a balance reporting and there will be no bank cards with a balance. Will all of this just cancel each other out, score-wise? I have to let the AU report or get hit with the AU AZ penalty. 2) Let the chips fall where they may and just accept being at 10% agg util and wait til next month. So far, getting Dell from 48% > 28% ind util made zero scoring difference, so my only other option is getting agg util under 10%. There is an app on the horizon, so trying to pretty things up! Birdman Cassie BrutalBodyShots Allzero
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Re: Best course of action to optimize agg util?

17 of 22
3 years ago
Sat Sep 04, 2021 7:00 pm
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LaHossBoss
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Allzero wrote: ↑Sat Sep 04, 2021 1:29 pm I had a Capital One card report $3 ($3.40 actual) on all 3B. ETA. This was back in June/July of this year.
They did? Hmmmm....I may roll the dice, then!
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Re: Best course of action to optimize agg util?

18 of 22
3 years ago
Sat Sep 04, 2021 7:02 pm
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LaHossBoss
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Level33 Last INQThursday, December 9, 2021 Gardening For2 years, 9 months, 7 days, 13 hours, and 39 minutes Next Level in22 days, 10 hours, and 21 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 39 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 39 minutes ago
Cassie wrote: ↑Sat Sep 04, 2021 11:30 am
LaHossBoss wrote: ↑Sat Sep 04, 2021 6:52 am $1548.88 is 9.4% (rounding down to 9%) Current balance between the 3 accounts is $1582 9.6% (rounded). Dell is reporting at $1545 Lol looking at this closer...not sure this is gonna work out 😆 I would basically have to let the AU Cap One report at $3.88 and I just don't see that happening...I just cant risk both of us getting dinged hard.
If the AU Cap One has $3.88 on it, that's going to report at $3, assuming they report an amount that low. Every individual account has to be truncated before adding them all up. If you just truncate the total - including the cents on each individual account - the real reported amount could be lower by as much as (number_of_accounts * .99). What is (.095 * your total credit limit across all cards)? I'm just wondering if you could let $5 report on the Au Cap One and still be at 9% for FICO scoring.
I am afraid the will round up. I have that happen regularly, so I would have to have a $3.49 to round down to $3.
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Re: Best course of action to optimize agg util?

19 of 22
3 years ago
Sun Sep 05, 2021 6:13 am
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Birdman
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Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 39 minutes Next Level in15 days, 10 hours, and 21 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 39 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 39 minutes ago
LaHossBoss wrote: ↑Sat Sep 04, 2021 7:02 pm
Cassie wrote: ↑Sat Sep 04, 2021 11:30 am
LaHossBoss wrote: ↑Sat Sep 04, 2021 6:52 am $1548.88 is 9.4% (rounding down to 9%) Current balance between the 3 accounts is $1582 9.6% (rounded). Dell is reporting at $1545 Lol looking at this closer...not sure this is gonna work out 😆 I would basically have to let the AU Cap One report at $3.88 and I just don't see that happening...I just cant risk both of us getting dinged hard.
If the AU Cap One has $3.88 on it, that's going to report at $3, assuming they report an amount that low. Every individual account has to be truncated before adding them all up. If you just truncate the total - including the cents on each individual account - the real reported amount could be lower by as much as (number_of_accounts * .99). What is (.095 * your total credit limit across all cards)? I'm just wondering if you could let $5 report on the Au Cap One and still be at 9% for FICO scoring.
I am afraid the will round up. I have that happen regularly, so I would have to have a $3.49 to round down to $3.
@LaHossBoss no Cassie is absolutely correct. The metro2 format does not even allow the creditor to transmit the cents, so the credit bureau never knows them. Balances are truncated before being transmitted to the CRA‘s.
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Re: Best course of action to optimize agg util?

20 of 22
3 years ago
Sun Sep 05, 2021 6:28 pm
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LaHossBoss
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Level33 Last INQThursday, December 9, 2021 Gardening For2 years, 9 months, 7 days, 13 hours, and 39 minutes Next Level in22 days, 10 hours, and 21 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 39 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 39 minutes ago
@Cassie @Birdman I totally understand this, what I am saying is when they omit the cents, they round up or down based on this. I have countless examples of having balances rounded both up and down for reporting purposes.
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Re: Best course of action to optimize agg util?

21 of 22
3 years ago
Sun Sep 05, 2021 7:27 pm
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Cassie
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Level55 Last INQFriday, February 14, 2020 Gardening For4 years, 7 months, 2 days, 13 hours, and 39 minutes Next Level in27 days, 10 hours, and 21 minutes on October 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 7 months, 2 days, 13 hours, and 39 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 7 months, 2 days, 13 hours, and 39 minutes ago
LaHossBoss wrote: ↑Sun Sep 05, 2021 6:28 pm @Cassie @Birdman I totally understand this, what I am saying is when they omit the cents, they round up or down based on this. I have countless examples of having balances rounded both up and down for reporting purposes.
Something I never considered is whether any lenders round their own internal decimal balances UP/DOWN before sending. They can only send a whole number - decimal values are an error in METRO2 for that field. I know Citi, Discover, and AMEX don't, because I've tested above and below the .50 cent line. They send the FLOOR value, or a single integer 2 if the actual balance was $2.89. Now I'm really interested to find out which lender is doing some rounding before sending!
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Re: Best course of action to optimize agg util?

22 of 22
3 years ago
Mon Sep 06, 2021 2:04 am
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Birdman
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Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 39 minutes Next Level in15 days, 10 hours, and 21 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 39 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 39 minutes ago
Very interesting
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