Confirming 80% loan threshold f8 and vs3

Confirming loan utilization threshold at 79-80% went from 80.3% to 78.5%

EQ f8 went up 6 points
EQ vs3 went up 10-11 points (this is estimated based on TU going up 5 points and 11 points for a inquiry drop and loan balance drop EQ only reported the balance change as 15 points


/edit TU F8 updated on MyFICO and shows the same 6 point gain will update when EX updates, but Chase will not be updating til the 7 so I won’t see the balance/inquiries fall off I should however see a 20-22 point gain assuming inquiries are a 5-6 points loss.

MyFICO hasn’t updated my EX yet to compare against nor has chase updated my vs3 to compare..

Based on my earlier post in the VS3 scoring forum I suspect vantage does in fact at least some of the time keep inquiries scorable for 24 months I have another inquiry dropping Jan. 7 to possibly confirm.

@Cassie any more gremlins in the system? First time I tried to post this the message reset to a blank new topic page and my message was under drafts, no error message. Also the mention user feature doesn’t seem to be working. I had to manually type the [ mention] [ /mention] code. Browser was chrome mobile under iOS 16

Beefy wrote: ↑Tue Jan 03, 2023 6:41 pm @Cassie any more gremlins in the system? First time I tried to post this the message reset to a blank new topic page and my message was under drafts, no error message. Also the mention user feature doesn’t seem to be working. I had to manually type the [ mention] [ /mention] code. Browser was chrome mobile under iOS 16

I hardly ever test Chrome on iOS, so that makes sense. That mention feature is horrible on mobile. This is yet another library that claims to do it all but doesn't. I'll have to write my own code for that. It would be perfect with a popup modal where you can scroll and/or multi-select people to mention in one go.

Beefy wrote: ↑Tue Jan 03, 2023 6:34 pm Confirming loan utilization threshold at 79-80% went from 80.3% to 78.5% EQ f8 went up 6 points EQ vs3 went up 10-11 points (this is estimated based on TU going up 5 points and 11 points for a inquiry drop and loan balance drop EQ only reported the balance change as 15 points /edit TU F8 updated on MyFICO and shows the same 6 point gain will update when EX updates, but Chase will not be updating til the 7 so I won’t see the balance/inquiries fall off I should however see a 20-22 point gain assuming inquiries are a 5-6 points loss. MyFICO hasn’t updated my EX yet to compare against nor has chase updated my vs3 to compare.. Based on my earlier post in the VS3 scoring forum I suspect vantage does in fact at least some of the time keep inquiries scorable for 24 months I have another inquiry dropping Jan. 7 to possibly confirm.

EX VS3 20 point gain loan balance + 2 inquiries as expected EX F8c 15 point gain no idea where the extra points came from yet... but not complaining about them either

@BrutalBodyShots Per our conversation on Reddit the other day… I had identified a discrete 6 point gain at 80% in January This month is 2 years 6 months on my history. This month on the first my TU/EQ score went up 10-11 points due to AoRA and/AoOA aging EX has not reported yet, but should be 3-5 points higher due to a June 22 inquiry dropping. CK gave me 6-7 points for loan balance @65% but I believe this is conflated with the aging metrics Chase Credit Journey gave me 12 points but again I believe this is conflated with aging and inquiries. I am going on vacation and not sure if I have the spare funds to over pay my car loan to force 60% this month or if next month has any inquiries falling off my fico report. I know numerous will be dropping at the end of this month from my first car loan (20+ not all of them properly clumped) but will try to find a month I can get a discrete loan balance isolated on my report… likely august or December