1 of 4
2 years ago
Sat Jun 11, 2022 6:34 pm
LaHossBoss
Outlier
LaHossBoss has been gardening for over 2 years.
So, I found this quite interesting....
SO had his Cap One at 22% ind utilization (<30% agg) and today his Cap One reported 66% ind util (still <30% agg) and had zero scoring impact, strangely enough.
I saw this on MyFico, but they lag on scoring, so I checked the EX website and the scores update daily and this change posted and there were nonscoring changes...weird, right? Usually hitting >29% and definitely >49% util has a scoring impact. Even his EX 2 did not change?
Note his EX has no collections reporting. Just 1 CO due to age off in a couple months, so he is not on a PR scorecard, but is on a "dirty" scorecard.
I noticed TU was impacted, but damage was minimal: -3pts for Fico 8 (not sure of the other scores). TU is also "dirty", w/ the 1 CO, lates on his SLs (argh), and 1 "nuisance" CA (<$100) that does not impact his F8s/9s.
Just thought it was in interesting DP to share!
SO had his Cap One at 22% ind utilization (<30% agg) and today his Cap One reported 66% ind util (still <30% agg) and had zero scoring impact, strangely enough.
I saw this on MyFico, but they lag on scoring, so I checked the EX website and the scores update daily and this change posted and there were nonscoring changes...weird, right? Usually hitting >29% and definitely >49% util has a scoring impact. Even his EX 2 did not change?
Note his EX has no collections reporting. Just 1 CO due to age off in a couple months, so he is not on a PR scorecard, but is on a "dirty" scorecard.
I noticed TU was impacted, but damage was minimal: -3pts for Fico 8 (not sure of the other scores). TU is also "dirty", w/ the 1 CO, lates on his SLs (argh), and 1 "nuisance" CA (<$100) that does not impact his F8s/9s.
Just thought it was in interesting DP to share!
Click images to enlarge them.
- Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
- Classic 8 Scorecard DIRTY/PUBLIC-RECORD/MATURE
- Mortgage Scorecard DIRTY/PUBLIC-RECORD
- AoOA 16y
- AoORA 14y 4m 2y 5m
- Date of Last Inquiry and/or New Account Opening December 9th, 2021