Interesting DP for TU8. My Kohls store card (Cap One) reported off cycle this month due to me initiating an address correction. It reported at $241 Bal/$700 CL for 34% individual utilization. My aggregate revolving utilization went from 1% to 3% as well. EX8 and EQ8 remained unchanged, yet I lost 7 points on TU8. The balance has reported to $0 on all 3 reports now, and my EX8 and EQ8 still remained unchanged, yet I gained my 7 TU8 points right back.
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TU8 +7 Paid Off Kohls Store Card

1 of 8
3 years ago
Mon Oct 25, 2021 12:50 pm
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SoonerSoldier33
Seasoned RebelTeam Cash Back
Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 20 days, 13 hours, and 30 minutes Next Level in10 days, 10 hours, and 30 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 10 days, 10 hours, and 30 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 10 days, 10 hours, and 30 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 10 days, 10 hours, and 30 minutes
Interesting DP for TU8. My Kohls store card (Cap One) reported off cycle this month due to me initiating an address correction. It reported at $241 Bal/$700 CL for 34% individual utilization. My aggregate revolving utilization went from 1% to 3% as well. EX8 and EQ8 remained unchanged, yet I lost 7 points on TU8. The balance has reported to $0 on all 3 reports now, and my EX8 and EQ8 still remained unchanged, yet I gained my 7 TU8 points right back.
SoonerSoldier33
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  • Score data TU FICO 8: 641 EQ FICO 8: 616 EX FICO 8: 649
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Re: TU8 +7 Paid Off Kohls Store Card

2 of 8
3 years ago
Mon Oct 25, 2021 9:55 pm
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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 30 minutes Next Level in6 days, 10 hours, and 30 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 30 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 30 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 30 minutes ago
What was your highest individual card utilization outside of this account?

Also what was your (number) AWB change and against how many total accounts?
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Re: TU8 +7 Paid Off Kohls Store Card

3 of 8
3 years ago
Mon Oct 25, 2021 10:06 pm
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SoonerSoldier33
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Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 20 days, 13 hours, and 30 minutes Next Level in10 days, 10 hours, and 30 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 10 days, 10 hours, and 30 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 10 days, 10 hours, and 30 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 10 days, 10 hours, and 30 minutes
BrutalBodyShots wrote: ↑Mon Oct 25, 2021 9:55 pm What was your highest individual card utilization outside of this account? Also what was your (number) AWB change and against how many total accounts?
Only other revolver with a reported balance is my Cap One Savor One AZEO card with a $10 balance...less than 1% individual utilization. AWB has some variables. 5 open revolvers reporting so far. Went from 2 with a balance to 1. 1 installment loan reporting with a balance. 2 installment baddies on EQ and TU with reported balances. 1 installment baddie with a reported balance on EX.
SoonerSoldier33
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  • Score data TU FICO 8: 641 EQ FICO 8: 616 EX FICO 8: 649
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Re: TU8 +7 Paid Off Kohls Store Card

4 of 8
3 years ago
Mon Oct 25, 2021 10:20 pm
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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 30 minutes Next Level in6 days, 10 hours, and 30 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 30 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 30 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 30 minutes ago
Interesting the see the impact at TU, but not the other 2B. I've seen EX be unresponsive to AWB changes, but I would have thought you'd see something with EQ.
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Re: TU8 +7 Paid Off Kohls Store Card

5 of 8
3 years ago
Mon Oct 25, 2021 10:32 pm
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SoonerSoldier33
Seasoned RebelTeam Cash Back
Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 20 days, 13 hours, and 30 minutes Next Level in10 days, 10 hours, and 30 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 10 days, 10 hours, and 30 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 10 days, 10 hours, and 30 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 10 days, 10 hours, and 30 minutes
BrutalBodyShots wrote: ↑Mon Oct 25, 2021 10:20 pm Interesting the see the impact at TU, but not the other 2B. I've seen EX be unresponsive to AWB changes, but I would have thought you'd see something with EQ.
Possible difference in AWB % scoring threshold between EQ and TU? Also the fact that it was a retail revolver and not a bankcard?
SoonerSoldier33
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  • Score data TU FICO 8: 641 EQ FICO 8: 616 EX FICO 8: 649
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Re: TU8 +7 Paid Off Kohls Store Card

6 of 8
3 years ago
Mon Oct 25, 2021 10:50 pm
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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 30 minutes Next Level in6 days, 10 hours, and 30 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 30 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 30 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 30 minutes ago
SoonerSoldier33 wrote: ↑Mon Oct 25, 2021 10:32 pm Possible difference in AWB % scoring threshold between EQ and TU? Also the fact that it was a retail revolver and not a bankcard?
If you work out the percentage change, what does it come to? I always thought EQ was more sensitive to AWB changes than TU, but that may depend on scorecard. I suppose a non-bankcard could be handled differently depending on bureau, so that's a thought.
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Re: TU8 +7 Paid Off Kohls Store Card

7 of 8
3 years ago
Tue Oct 26, 2021 10:06 pm
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SoonerSoldier33
Seasoned RebelTeam Cash Back
Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 20 days, 13 hours, and 30 minutes Next Level in10 days, 10 hours, and 30 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 10 days, 10 hours, and 30 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 10 days, 10 hours, and 30 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 10 days, 10 hours, and 30 minutes
BrutalBodyShots wrote: ↑Mon Oct 25, 2021 10:50 pm
SoonerSoldier33 wrote: ↑Mon Oct 25, 2021 10:32 pm Possible difference in AWB % scoring threshold between EQ and TU? Also the fact that it was a retail revolver and not a bankcard?
If you work out the percentage change, what does it come to? I always thought EQ was more sensitive to AWB changes than TU, but that may depend on scorecard. I suppose a non-bankcard could be handled differently depending on bureau, so that's a thought.
So, I'm not fully up to speed on the AWB metric, and I know there are things we don't exactly know about how it's scored. For instance, I have only 6 open accounts reporting right now...5 revolvers and 1 installment loan. Of those 6 accounts, I went from 50% AWB to 33% AWB. But then, are my delinquent COs considered AWB's? If so, that's a whole other animal. I've even read threads where people were debating if closed accounts counted for the AWB % metric. So, I'm not exactly sure what my AWB % is/was.
SoonerSoldier33
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  • Score data TU FICO 8: 641 EQ FICO 8: 616 EX FICO 8: 649
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Re: TU8 +7 Paid Off Kohls Store Card

8 of 8
3 years ago
Wed Oct 27, 2021 1:35 am
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Birdman
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Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 30 minutes Next Level in15 days, 10 hours, and 30 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 30 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 30 minutes ago
Closed accounts are in the a AWB Metric for EX2. We still have to confirm that for other models. I believe the chargeoff would be included, also.

I think AWB.

Remember dirty card and you can be maxed on one category I think in my opinion.
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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