VS3 extremely stable with less than 9.5% utilization on everything

Aggregate reported balance always above $0 and never higher than $1999 exactly. Currently 770 with $1,851 aggregate reporting at 4.462% (4% for scoring) of $41,500 total credit limit across 4 cards. 3-of-4 reporting a balance, and VS3 doesn't care about 4-of-4 (100%) reporting.

Good data!

I've found VS3 to be more volatile than Fico models when it comes to raw dollars. While I believe strongly that raw dollar thresholds exist for Fico scoring models, I'm certain they do and to even a greater degree for VS3. I've had my AZEO card move from a tiny balance to a ~$3000 balance and back to a tiny balance and seen 12-13 point VS3 swings. That's with everything staying under 10%, both individual and aggregate.

BrutalBodyShots wrote: ↑Fri Jun 25, 2021 2:03 am I've found VS3 to be more volatile than Fico models when it comes to raw dollars. While I believe strongly that raw dollar thresholds exist for Fico scoring models, I'm certain they do and to even a greater degree for VS3. I've had my AZEO card move from a tiny balance to a ~$3000 balance and back to a tiny balance and seen 12-13 point VS3 swings. That's with everything staying under 10%, both individual and aggregate.

I wholeheartedly agree with that. So many people see wild swings in their VS3 scores due to balances reporting at various times during the month. All my cards close within the first week of a month, and I pay them down just prior to closing so the average balance is around $500-600 on 3-of-4 cards. I never get to see a daily TU VS3 that might have $1999 showing due to shuffling amounts around on those 3 cards.

Have you ever seen what happens when you do AZEO (verses say 3 of 4) on VS3?

BrutalBodyShots wrote: ↑Fri Jun 25, 2021 9:32 am Have you ever seen what happens when you do AZEO (verses say 3 of 4) on VS3?

Not yet. In fact it's been a long time since I've had under $500 reporting. There was a +1pt change on VS3 dropping below $1000. And another -1pt going from $1471 up to $1815 one month. Same 3-of-4 on both of those, but the <1000 also had a switch to 2-of-4. So maybe there's a line at $1000 and $1500? I can't confirm that, but it's something to keep in mind. I have this irrational fear of seeing my AZEO scores, because I will miss them too much going back to my usual pattern of showing moderate usage on most of my cards every month.

One thing about it you’ll love it when you do see them!

Cassie wrote: ↑Fri Jun 25, 2021 12:11 pm I have this irrational fear of seeing my AZEO scores, because I will miss them too much going back to my usual pattern of showing moderate usage on most of my cards every month.

It's good to know the differential between your optimized scores and "regular" scores, just as a benchmark going forward. Perhaps the differential on your file is 15 Fico points for X model. Assuming no scorecard reassignment, you can sort of predict your optimized scores going forward from just your regular scores if you do the AZEO test once. A year from now your regular scores may have grown to where you AZEO scores are now. At that time you can tack on another (say) 15 points to ballpark your optimized scores without having to do it.