I can only speak on clean/aged scorecards, so I'm referring specifically to the difference between no new revolver verses new revolver scorecards on this specific topic. So when I was on a no new revolver scorecard, my EX8 score was absolutely bulletproof to AWB changes. Whether I was at AZEO or all [revolving] accounts with a balance, my score never budged even a single Fico 8 point. This is with all small balances, so taking utilization percentage out of the equation, of course. Now that I'm on a new revolver scorecard, I definitely am seeing some score shifts on EX8 related to AWB. I've moved from 10 of 10 to 4 of 10 so far and have seen a shift of 3 points. We'll see what happens when I get back to AZEO. So my conclusion to something we may have already known, EX8 on a no new revolver clean/aged file may not budge at all, but on a new revolver clean/aged file may and can be impacted by AWB.
Post

EX8 AWB impact on different clean/aged scorecards

1 of 3
3 years ago
Thu Dec 02, 2021 7:50 pm
User avatar
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 41 minutes Next Level in6 days, 10 hours, and 19 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 41 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 41 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 41 minutes ago
I can only speak on clean/aged scorecards, so I'm referring specifically to the difference between no new revolver verses new revolver scorecards on this specific topic.

So when I was on a no new revolver scorecard, my EX8 score was absolutely bulletproof to AWB changes. Whether I was at AZEO or all [revolving] accounts with a balance, my score never budged even a single Fico 8 point. This is with all small balances, so taking utilization percentage out of the equation, of course.

Now that I'm on a new revolver scorecard, I definitely am seeing some score shifts on EX8 related to AWB. I've moved from 10 of 10 to 4 of 10 so far and have seen a shift of 3 points. We'll see what happens when I get back to AZEO.

So my conclusion to something we may have already known, EX8 on a no new revolver clean/aged file may not budge at all, but on a new revolver clean/aged file may and can be impacted by AWB.
BrutalBodyShots
User avatar
3
Post

Re: EX8 AWB impact on different clean/aged scorecards

2 of 3
3 years ago
Thu Dec 02, 2021 11:16 pm
User avatar
AllZero
Outlier
AllZero has been gardening for over 2 years.
Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 21 days, 13 hours, and 41 minutes Next Level in9 days, 10 hours, and 19 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 21 days, 13 hours, and 41 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 21 days, 13 hours, and 41 minutes ago
Thanks for sharing the data points.

I went looking back through my old reports when I was on a new account scorecard. Unfortunately, I can not help. I didn't do any testing for the 0/50/100% AWB.
AllZero
User avatar
0
Post

Re: EX8 AWB impact on different clean/aged scorecards

3 of 3
3 years ago
Thu Dec 16, 2021 3:19 am
User avatar
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 41 minutes Next Level in15 days, 10 hours, and 19 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 41 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 41 minutes ago
Indeed
Birdman
User avatar
  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
0
Processing