EX8 Data Point: Crossing the 30% threshold

Experian FICO 8: -19 points going from 21% to 31%. Total balance from $9,990 to $15,761. (I have $4,000 across 2 PCLIs reporting for the first time this month. TCL $47,000 last month to $51,000 this month.) Amount of Debt rating changed from Very Good to Good. Also shows a red line for util at Experian's CMS. This is a temporary hit. My AMEX BCE closes last - today - and will report $0, down from $3,363. Open Accounts with Balances will change from 3 of 4 to 2 of 4. Now to see how much comes back going from 31% to 24% along with crossing a theoretical $10,000 line on balances. (My theory.) There's a lot more there to sort out as EX2 took a major hit with that. (Massive hit on VS3 here: viewtopic.php?p=17179#p17179 )

Was there an AWB increase with the utilization increase, or will there only be an AWB decrease with the utilization decrease that's about to happen?

BrutalBodyShots wrote: ↑Mon Nov 07, 2022 11:06 pm Was there an AWB increase with the utilization increase, or will there only be an AWB decrease with the utilization decrease that's about to happen?

Only a decrease. I've been at 3 of 4 reporting a balance for several months now. I typically use my Mastercard for around $400-$500 and pay it to $0 a few days before closing. It's quite a hit on EQ8/TU8 and all 3 mortgage scores at 4of4 reporting a balance.

Massive hit on VS3: viewtopic.php?p=17179#p17179

My AMEX reported at $0, bringing util back down to 24% from 31%. I only got 12 points back. My Discover card is now reporting 63% utilization (of $13,000). This is a big change from the previous report of 20%. Total dollar balance changed from a little over $15,000 to a little over $12,000. AWB changed from 3of4 to 2of4. I think that high individual utilization percentage on Discover might be the sole factor for the missing 7 points. Unless there's also a $10,000 dollar balance threshold? (Sort of doubt it now, but need to test it.) I'm going to try having Discover report at $6,370/49% next month. I can do that by putting all spend on it through November - utilities (generator tune-up is $300, Comcast $260, just 2 of a bunch), yearly subscription renewals ( I have a lot of these, and some are $300-$500), gifts for Christmas, really need want some Ferragamo flats so major damage at this place, and...probably more. If all 7 points come back, we'll know those missing 7 are all due to a -14% change from 63 to 49. Could be just the 50% line, or maybe some from crossing below 60 and some from going below 50?? Keep in mind my entire credit file turns 5 years 0 months old next month on December 1st. I've been consistently seeing score changes at each 5% utilization level on this young file, which doesn't seem to happen to much older files. There could be a 60, 55, and 50% threshold I'm crossing from 63 to 49. (Sort of doubt there's 3 - too many for a mere -7 points, I think.)