So, I also hit AZEO on CK and it gave me a couple small changes to my VS 3.0 EQ is once again at an all-time high of 732! 722 > 732 (+10pts) VS store card paid down from 27% > 0% ind util and agg util went from 13% > 8% (according to CK, but really 7%). And TU also saw a tiny gain for reaching AZEO. 676 > 677 (+1pt) Screenshot_20211207-201245_Credit Karma.jpg Screenshot_20211207-201300_Credit Karma.jpg I suppose I am not at "true" AZEO until I have at least one of my two new bank cards reporting a $0 bal, so maybe that is why I am not seeing better Fico and VS gains. It will be interesting to see how VS reacts to "true" AZEO and if I actually gain anything.
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I hit AZEO on TU & EQ

1 of 12
3 years ago
Tue Dec 07, 2021 8:17 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 22 hours, and 3 minutes Next Level in1 day, 1 hour, and 57 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 22 hours, and 3 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 22 hours, and 3 minutes ago
So, I also hit AZEO on CK and it gave me a couple small changes to my VS 3.0 EQ is once again at an all-time high of 732! 722 > 732 (+10pts) VS store card paid down from 27% > 0% ind util and agg util went from 13% > 8% (according to CK, but really 7%). And TU also saw a tiny gain for reaching AZEO. 676 > 677 (+1pt)
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I suppose I am not at "true" AZEO until I have at least one of my two new bank cards reporting a $0 bal, so maybe that is why I am not seeing better Fico and VS gains. It will be interesting to see how VS reacts to "true" AZEO and if I actually gain anything.
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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 hit AZEO on TU & EQ

2 of 12
3 years ago
Tue Dec 07, 2021 10:06 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, 15 days, 22 hours, and 3 minutes Next Level in15 days, 1 hour, and 57 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 22 hours, and 3 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 22 hours, and 3 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 22 hours, and 3 minutes ago
What do you mean by true AZEO? Is your AZ card a store card? If so, swapping it out for a bank card could yield greater score improvement.
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Re: I hit AZEO on TU & EQ

3 of 12
3 years ago
Wed Dec 08, 2021 12:34 pm
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LaHossBoss
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Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 22 hours, and 3 minutes Next Level in1 day, 1 hour, and 57 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 22 hours, and 3 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 22 hours, and 3 minutes ago
BrutalBodyShots wrote: ↑Tue Dec 07, 2021 10:06 pm What do you mean by true AZEO? Is your AZ card a store card? If so, swapping it out for a bank card could yield greater score improvement.
Since my WS store card got shut down from non-use, I only have 2 CCs reporting right now. Only 1 has ever been a bank card. So I currently only have 2 cards reporting. My bank card has the non-zero balance and the store card is at $0. AZEO is generally best with 3+ CCs, because even having 1 at $0, that puts me at 50% of CCs w/ a balance. The BB CC and Cash+ will start reporting at some point, and then we will see then if there are any other score changes. I will be at 33% or 25% of CC w/ a balance, then.
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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 hit AZEO on TU & EQ

4 of 12
3 years ago
Wed Dec 08, 2021 3:14 pm
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BrutalBodyShots
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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, 15 days, 22 hours, and 3 minutes Next Level in15 days, 1 hour, and 57 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 22 hours, and 3 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 22 hours, and 3 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 22 hours, and 3 minutes ago
I see. It will take you a cycle though to eliminate the age of accounts reduction variable. Basically any gains you may get from the AZEO change / AWB change could be negated by age of accounts reduction so you'll have to remove that from the equation.
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Re: I hit AZEO on TU & EQ

5 of 12
3 years ago
Wed Dec 08, 2021 6:12 pm
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LaHossBoss
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Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 22 hours, and 3 minutes Next Level in1 day, 1 hour, and 57 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 22 hours, and 3 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 22 hours, and 3 minutes ago
BrutalBodyShots wrote: ↑Wed Dec 08, 2021 3:14 pm I see. It will take you a cycle though to eliminate the age of accounts reduction variable. Basically any gains you may get from the AZEO change / AWB change could be negated by age of accounts reduction so you'll have to remove that from the equation.
My revolving AAoA will def take a hit, but I think my overall AAoA will still be somewhat stable.
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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 hit AZEO on TU & EQ

6 of 12
3 years ago
Wed Dec 08, 2021 7:01 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, 15 days, 22 hours, and 3 minutes Next Level in15 days, 1 hour, and 57 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 22 hours, and 3 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 22 hours, and 3 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 22 hours, and 3 minutes ago
I hear that. At least all of your age of accounts factors like AAoRA are impacted immediately once the new account(s) hit, so after any initial drop the following cycle you can eliminate age of accounts factors as a variable and focus just on AZEO/AWB as being responsible for score changes.
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Re: I hit AZEO on TU & EQ

7 of 12
3 years ago
Wed Dec 08, 2021 7:32 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 22 hours, and 3 minutes Next Level in1 day, 1 hour, and 57 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 22 hours, and 3 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 22 hours, and 3 minutes ago
BrutalBodyShots wrote: ↑Wed Dec 08, 2021 7:01 pm I hear that. At least all of your age of accounts factors like AAoRA are impacted immediately once the new account(s) hit, so after any initial drop the following cycle you can eliminate age of accounts factors as a variable and focus just on AZEO/AWB as being responsible for score changes.
I am currently at 22m AAoRA It will go down to 13m once they report (if they both report this month. So I did not quite hit 2yr AAoRA, but still will be over 1yr AAoRA
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 hit AZEO on TU & EQ

8 of 12
3 years ago
Wed Dec 08, 2021 8:35 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, 15 days, 22 hours, and 3 minutes Next Level in15 days, 1 hour, and 57 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 22 hours, and 3 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 22 hours, and 3 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 22 hours, and 3 minutes ago
Nice, hopefully not all too much of a scoring impact due to that change.
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Re: I hit AZEO on TU & EQ

9 of 12
3 years ago
Wed Dec 08, 2021 9:34 pm
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AllZero
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Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 22 hours, and 3 minutes Next Level in18 days, 1 hour, and 57 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 22 hours, and 3 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 22 hours, and 3 minutes ago
LaHossBoss wrote: ↑Wed Dec 08, 2021 12:34 pmAZEO is generally best with 3+ CCs, because even having 1 at $0, that puts me at 50% of CCs w/ a balance. The BB CC and Cash+ will start reporting at some point, and then we will see then if there are any other score changes. I will be at 33% or 25% of CC w/ a balance, then.
Those are some nice score gains. I'll have to pay more attention to VantageScore for AZEO testing. Once your two other cards report, hopefully, you will see more of a score gain with AZEO.
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Re: I hit AZEO on TU & EQ

10 of 12
3 years ago
Thu Dec 16, 2021 11:49 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, 5 days, 22 hours, and 3 minutes Next Level in24 days, 1 hour, and 57 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 22 hours, and 3 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 22 hours, and 3 minutes ago
You are at AZEO if you have only one card with a balance. As a matter fact I recall somebody debating or having a problem with one of our favorite people somewhere else LOL about this.

True enough AZEO will yield a higher score with at least three bankcards, but that does not negate the fact that AZEO optimizes other scoring factors. Remember AZEO optimizes several Scoring factors not just AWB.
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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Re: I hit AZEO on TU & EQ

11 of 12
3 years ago
Thu Dec 16, 2021 8:37 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, 15 days, 22 hours, and 3 minutes Next Level in15 days, 1 hour, and 57 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 22 hours, and 3 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 22 hours, and 3 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 22 hours, and 3 minutes ago
Birdman wrote: ↑Thu Dec 16, 2021 11:49 am You are at AZEO if you have only one card with a balance. As a matter fact I recall somebody debating or having a problem with one of our favorite people somewhere else LOL about this. True enough AZEO will yield a higher score with at least three bankcards, but that does not negate the fact that AZEO optimizes other scoring factors. Remember AZEO optimizes several Scoring factors not just AWB.
Yes! AZEO can be accomplished with 2 cards. 1 has a balance, 1 doesn't. Simple stuff. But, if you talk to someone elsewhere they may refer to that as "Almost AZEO" and tell you you're stupid for suggesting AZEO to someone that only possesses 2 bankcards.
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Re: I hit AZEO on TU & EQ

12 of 12
3 years ago
Fri Dec 17, 2021 3:07 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, 5 days, 22 hours, and 3 minutes Next Level in24 days, 1 hour, and 57 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 22 hours, and 3 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 22 hours, and 3 minutes ago
Lol
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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