So, I got back down to AZEO. My non-zero card is at 8% ind util. This change has only been reflected on my EX app (and hasn't shown up yet on MF) and tomorrow I get a new 3B pull from EX, so I will add in those Fico score changes when they roll in. I brought my agg util from 13% > 7%. The card that had a balance was a store card, VS, and was at 27% ind util. Meaning, paying off VS, I brought ind util from 27% > 0% and agg util from 13% > 7% I got +1 pt Just found it curious. No new accounts have posted yet, either. Screenshot_20211206-135139_Experian.jpg BrutalBodyShots Kkboom Slabenstein Birdman Cassie Saeren AllZero Not too sure how to add a link, but here is where you can find my VS 3.0 score changes for TU and EQ https://www.creditrebels.net/forum/viewtopic.php?p=8784#p8784&saved=625
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I got to AZEO and it really didn't do much!

1 of 8
3 years ago
Tue Dec 07, 2021 8:06 pm
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LaHossBoss
Outlier
LaHossBoss has been gardening for over 2 years.
Level33 Last INQThursday, December 9, 2021 Gardening For2 years, 9 months, 7 days, 13 hours, and 32 minutes Next Level in22 days, 10 hours, and 28 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 32 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 32 minutes ago
So, I got back down to AZEO. My non-zero card is at 8% ind util. This change has only been reflected on my EX app (and hasn't shown up yet on MF) and tomorrow I get a new 3B pull from EX, so I will add in those Fico score changes when they roll in. I brought my agg util from 13% > 7%. The card that had a balance was a store card, VS, and was at 27% ind util. Meaning, paying off VS, I brought ind util from 27% > 0% and agg util from 13% > 7% I got +1 pt Just found it curious. No new accounts have posted yet, either.
Screenshot_20211206-135139_Experian.jpg 62.81 KiB Viewed 106 times
@BrutalBodyShots @Kkboom @Slabenstein @Birdman @Cassie @Saeren@AllZero Not too sure how to add a link, but here is where you can find my VS 3.0 score changes for TU and EQ viewtopic.php?p=8784#p8784&saved=625
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: I got to AZEO and it really didn't do much!

2 of 8
3 years ago
Tue Dec 07, 2021 8:23 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level33 Last INQThursday, December 9, 2021 Gardening For2 years, 9 months, 7 days, 13 hours, and 32 minutes Next Level in22 days, 10 hours, and 28 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 32 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 32 minutes ago
So, AZEO did very little for EQ and TU F8 scores.

TU had zero gain from paying off my VS store card amd now being at 50% rAWB, as well as crossing under 10% agg util (13% > 7%)

EQ did a little better than both EX and TU (combined, even haha!), giving me +3 pts.
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: I got to AZEO and it really didn't do much!

3 of 8
3 years ago
Tue Dec 07, 2021 9:00 pm
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Slabenstein
OutlierDinosaurs are patriots
Slabenstein has passed the 24 month threshold and is completely inquiry free!
Slabenstein has achieved the Garden Goal !!
Level24 Last INQThursday, September 1, 2022 Gardening For2 years, 15 days, 13 hours, and 32 minutes Next Level in14 days, 10 hours, and 28 minutes on October 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached1 year, 15 days, 13 hours, and 32 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr reached15 days, 13 hours, and 32 minutes ago Goal24 months Goal DateSunday, September 1, 2024 Goal Achieved15 days, 13 hours, and 32 minutes ago
When my wife goes back and forth between AZEO and all cards reporting a balance, she sees either 0 or very minimal point change on her FICO8's. But she also only has three reporting cards, one of which is AU, so going from AZEO to all reporting is only a difference of one card.
Slabenstein
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  • Score data EX8 817, TU8 834, EQ8 834
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Re: I got to AZEO and it really didn't do much!

4 of 8
3 years ago
Tue Dec 07, 2021 9:39 pm
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Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 13 hours, and 32 minutes Next Level in6 days, 10 hours, and 28 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 10 hours, and 28 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 10 hours, and 28 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 10 hours, and 28 minutes
Yeah this is why I always say that AZEO is a hassle not worth dealing with for FICO 8. I have heard it has a bigger impact on the mortgage scores but that wasn't my experience either.
Saeren
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Rebel Administrator
  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
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Re: I got to AZEO and it really didn't do much!

5 of 8
3 years ago
Tue Dec 07, 2021 10:00 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 32 minutes Next Level in6 days, 10 hours, and 28 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 32 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 32 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 32 minutes ago
The impact can vary across different scorecards. @LaHossBoss is that -$274 amount in dollars correct / aligns with the utilization percentage drop you referenced? If so that's a pretty clean value since we're not talking lots of dollars, so that isolates percentage better.
BrutalBodyShots
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Re: I got to AZEO and it really didn't do much!

6 of 8
3 years ago
Fri Dec 10, 2021 8:10 pm
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LaHossBoss
Outlier
LaHossBoss has been gardening for over 2 years.
Level33 Last INQThursday, December 9, 2021 Gardening For2 years, 9 months, 7 days, 13 hours, and 32 minutes Next Level in22 days, 10 hours, and 28 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 32 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 32 minutes ago
I updated above with my EQ and TU F8 score changes!
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: I got to AZEO and it really didn't do much!

7 of 8
3 years ago
Fri Dec 10, 2021 8:13 pm
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LaHossBoss
Outlier
LaHossBoss has been gardening for over 2 years.
Level33 Last INQThursday, December 9, 2021 Gardening For2 years, 9 months, 7 days, 13 hours, and 32 minutes Next Level in22 days, 10 hours, and 28 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 32 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 32 minutes ago
Slabenstein wrote: ↑Tue Dec 07, 2021 9:00 pm When my wife goes back and forth between AZEO and all cards reporting a balance, she sees either 0 or very minimal point change on her FICO8's. But she also only has three reporting cards, one of which is AU, so going from AZEO to all reporting is only a difference of one card.
Same for me. I only have 2 CCs (currently reporting), with only one being a bank card. I do not have any AUs. Seems like my SO does better with score changes! He has 1 AU, 1 Bank Card, and 2 store cards (care credit and Dell). And he always has 1 or 2 of 3 cards reporting, in addition to keeping the AU at a non-zero bal.
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: I got to AZEO and it really didn't do much!

8 of 8
3 years ago
Thu Dec 16, 2021 2:21 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, 14 days, 13 hours, and 32 minutes Next Level in15 days, 10 hours, and 28 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 32 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 32 minutes ago
@LaHossBoss Yes, dirty Card reacts differently.
Birdman
User avatar
Primer Author
  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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