Data points on 1 maxed out card?

8 months ago

Sat Jan 06, 2024 2:23 am

EvenBetterThanTheRealThing

Seasoned Rebel

Level4 Last INQFriday, April 12, 2024 Gardening For4 months, 26 days, 21 hours, and 1 minute Next Level in4 days, 2 hours, and 59 minutes on September 12th INQ 1yr onSaturday, April 12, 2025 INQ 1yr in7 months, 4 days, 2 hours, and 59 minutes INQ 2yr onSunday, April 12, 2026 INQ 2yr in1 year, 7 months, 4 days, 2 hours, and 59 minutes Goal12 months Goal DateSaturday, April 12, 2025 Goal In7 months, 4 days, 2 hours, and 59 minutes

I'm curious what the DPs would look like, but don't have it in me to test those waters on a dirty profile.

8 months ago

Sun Jan 07, 2024 2:19 am

SoonerSoldier33

Seasoned RebelTeam Cash Back

Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 11 days, 21 hours, and 1 minute Next Level in19 days, 2 hours, and 59 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 19 days, 2 hours, and 59 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 19 days, 2 hours, and 59 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 19 days, 2 hours, and 59 minutes

Gotta give me a month or 2 to clean up some stuff from Christmas, and then I'm down to try. Although, I'm on a dirty scorecard, so my DPs may not help much for what you're trying to nail down.

8 months ago

Sun Jan 07, 2024 2:57 am

Beefy

Seasoned Rebel

Level3 Last INQTuesday, May 28, 2024 Gardening For3 months, 10 days, 21 hours, and 1 minute Next Level in20 days, 2 hours, and 59 minutes on September 28th INQ 1yr onWednesday, May 28, 2025 INQ 1yr in8 months, 20 days, 2 hours, and 59 minutes INQ 2yr onThursday, May 28, 2026 INQ 2yr in1 year, 8 months, 20 days, 2 hours, and 59 minutes Goal12 months Goal DateWednesday, May 28, 2025 Goal In8 months, 20 days, 2 hours, and 59 minutes

BrutalBodyShots wrote: ↑Fri Dec 29, 2023 1:46 pm I'm looking for data points that any of you have found with your own profile or have heard from others that have tested it regarding 1 maxed out credit card while keeping aggregate utilization as a single-digit number... that is, the scoring impact (on Fico 8 preferred) when moving from a highest individual utilization card being under (say) 30% to maxed out (above 89.5%) with aggregate utilization not being a factor.

I took a BT offer on my Alt Go this month for 9200/10,000 if I am on top of things this month I can make it my only reporting should be a sub 7% total UTI.

8 months ago

Sun Jan 07, 2024 9:12 pm

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, 21 hours, and 1 minute Next Level in15 days, 2 hours, and 59 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 21 hours, and 1 minute ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 21 hours, and 1 minute ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 21 hours, and 1 minute ago

Sweet!

7 months ago

Sun Feb 04, 2024 7:26 pm

Beefy

Seasoned Rebel

Level3 Last INQTuesday, May 28, 2024 Gardening For3 months, 10 days, 21 hours, and 1 minute Next Level in20 days, 2 hours, and 59 minutes on September 28th INQ 1yr onWednesday, May 28, 2025 INQ 1yr in8 months, 20 days, 2 hours, and 59 minutes INQ 2yr onThursday, May 28, 2026 INQ 2yr in1 year, 8 months, 20 days, 2 hours, and 59 minutes Goal12 months Goal DateWednesday, May 28, 2025 Goal In8 months, 20 days, 2 hours, and 59 minutes

I haven’t gotten to All zero except 1 maxed card yet, but with AWB and 1 card maxed 9600/10000 my utilization still well below 10% resulted in a 41 point loss on vs3 TU and EQ f8 gained high revolving balances for -1 point.

No other scores have updated yet.

7 months ago

Sun Feb 04, 2024 7:36 pm

Dinosaur

Seasoned RebelDinosaur

Level4 Last INQMonday, April 8, 2024 Gardening For4 months, 30 days, 21 hours, and 1 minute Next Level in2 hours and 59 minutes on September 8th INQ 1yr onTuesday, April 8, 2025 INQ 1yr in7 months, 2 hours, and 59 minutes INQ 2yr onWednesday, April 8, 2026 INQ 2yr in1 year, 7 months, 2 hours, and 59 minutes Goal24 months Goal DateWednesday, April 8, 2026 Goal In1 year, 7 months, 2 hours, and 59 minutes

Beefy wrote: ↑Sun Feb 04, 2024 7:26 pm I haven’t gotten to All zero except 1 maxed card yet, but with AWB and 1 card maxed 9600/10000 my utilization still well below 10% resulted in a 41 point loss on vs3 TU and EQ f8 gained high revolving balances for -1 point. No other scores have updated yet.

Noticed you said a -41 point loss ... ouch. Took out a BT from Discover and will let it post for $575. Suspect my move away from AZEO will boots my EX 811 Fico 8 score. Since I still have a vehicle loan and now no mortgage I wonder if I have any real opportunity to return to Fico 8 850? Note, I was at it for five straight years and upon paying off the mortgage it took a -22 points followed by more when I AZEO'd?!

7 months ago

Sun Feb 04, 2024 9:25 pm

Beefy

Seasoned Rebel

Level3 Last INQTuesday, May 28, 2024 Gardening For3 months, 10 days, 21 hours, and 1 minute Next Level in20 days, 2 hours, and 59 minutes on September 28th INQ 1yr onWednesday, May 28, 2025 INQ 1yr in8 months, 20 days, 2 hours, and 59 minutes INQ 2yr onThursday, May 28, 2026 INQ 2yr in1 year, 8 months, 20 days, 2 hours, and 59 minutes Goal12 months Goal DateWednesday, May 28, 2025 Goal In8 months, 20 days, 2 hours, and 59 minutes

Dinosaur wrote: ↑Sun Feb 04, 2024 7:36 pm
Beefy wrote: ↑Sun Feb 04, 2024 7:26 pm I haven’t gotten to All zero except 1 maxed card yet, but with AWB and 1 card maxed 9600/10000 my utilization still well below 10% resulted in a 41 point loss on vs3 TU and EQ f8 gained high revolving balances for -1 point. No other scores have updated yet.
Noticed you said a -41 point loss ... ouch. Took out a BT from Discover and will let it post for $575. Suspect my move away from AZEO will boots my EX 811 Fico 8 score. Since I still have a vehicle loan and now no mortgage I wonder if I have any real opportunity to return to Fico 8 850? Note, I was at it for five straight years and upon paying off the mortgage it took a -22 points followed by more when I AZEO'd?!

VS is gunna VS, vantage scores are much more sensitive to balances than fico, with that said EQ8 seems to have only lost 1 point which is counter to what we expect from individual card utilization. As for AZEO lowering your score, I don’t see how that is possible unless your AZEO keeps dipping to AZ due to reporting nominally AZEO should produce your highest score.

7 months ago

Mon Feb 05, 2024 2:32 pm

Beefy

Seasoned Rebel

Level3 Last INQTuesday, May 28, 2024 Gardening For3 months, 10 days, 21 hours, and 1 minute Next Level in20 days, 2 hours, and 59 minutes on September 28th INQ 1yr onWednesday, May 28, 2025 INQ 1yr in8 months, 20 days, 2 hours, and 59 minutes INQ 2yr onThursday, May 28, 2026 INQ 2yr in1 year, 8 months, 20 days, 2 hours, and 59 minutes Goal12 months Goal DateWednesday, May 28, 2025 Goal In8 months, 20 days, 2 hours, and 59 minutes

So here is the kind of change I expect a maxed out card to cause… As I said I was not able to get down to AZEO, but I do not believe the penalty for a maxed card will significantly change.

This total UTI represents approximately 7.5%

7 months ago

Mon Feb 05, 2024 8:24 pm

Dinosaur

Seasoned RebelDinosaur

Level4 Last INQMonday, April 8, 2024 Gardening For4 months, 30 days, 21 hours, and 1 minute Next Level in2 hours and 59 minutes on September 8th INQ 1yr onTuesday, April 8, 2025 INQ 1yr in7 months, 2 hours, and 59 minutes INQ 2yr onWednesday, April 8, 2026 INQ 2yr in1 year, 7 months, 2 hours, and 59 minutes Goal24 months Goal DateWednesday, April 8, 2026 Goal In1 year, 7 months, 2 hours, and 59 minutes

Beefy wrote: ↑Mon Feb 05, 2024 2:32 pm So here is the kind of change I expect a maxed out card to cause… As I said I was not able to get down to AZEO, but I do not believe the penalty for a maxed card will significantly change. [Quoted post had an image here.] This total UTI represents approximately 7.5%

In my past experiences going back more than five years, AZEO knocked my score out of the Fico 8 sweet spot of 850. As soon as I let something report, a month or so later it would return to 850. Also, have read similar findings elsewhere. It was my understanding credit analytics want to see live credit activity not all "0" zeros.

7 months ago

Mon Feb 05, 2024 9:03 pm

EvenBetterThanTheRealThing

Seasoned Rebel

Level4 Last INQFriday, April 12, 2024 Gardening For4 months, 26 days, 21 hours, and 1 minute Next Level in4 days, 2 hours, and 59 minutes on September 12th INQ 1yr onSaturday, April 12, 2025 INQ 1yr in7 months, 4 days, 2 hours, and 59 minutes INQ 2yr onSunday, April 12, 2026 INQ 2yr in1 year, 7 months, 4 days, 2 hours, and 59 minutes Goal12 months Goal DateSaturday, April 12, 2025 Goal In7 months, 4 days, 2 hours, and 59 minutes

Dinosaur wrote: ↑Mon Feb 05, 2024 8:24 pm
Beefy wrote: ↑Mon Feb 05, 2024 2:32 pm So here is the kind of change I expect a maxed out card to cause… As I said I was not able to get down to AZEO, but I do not believe the penalty for a maxed card will significantly change. [Quoted post had an image here.] This total UTI represents approximately 7.5%
In my past experiences going back more than five years, AZEO knocked my score out of the Fico 8 sweet spot of 850. As soon as I let something report, a month or so later it would return to 850. Also, have read similar findings elsewhere. It was my understanding credit analytics want to see live credit activity not all "0" zeros.

Ok so now you're confusing me a bit...you referenced AZEO but are describing AZ. That has me wondering if you meant to reference all zero or if the 1 card with a balance when you've been AZEO isn't counting for scoring purposes (like some store cards and some credit union cards).

7 months ago

Tue Feb 06, 2024 4:03 am

Dinosaur

Seasoned RebelDinosaur

Level4 Last INQMonday, April 8, 2024 Gardening For4 months, 30 days, 21 hours, and 1 minute Next Level in2 hours and 59 minutes on September 8th INQ 1yr onTuesday, April 8, 2025 INQ 1yr in7 months, 2 hours, and 59 minutes INQ 2yr onWednesday, April 8, 2026 INQ 2yr in1 year, 7 months, 2 hours, and 59 minutes Goal24 months Goal DateWednesday, April 8, 2026 Goal In1 year, 7 months, 2 hours, and 59 minutes

EvenBetterThanTheRealThing wrote: ↑Mon Feb 05, 2024 9:03 pm
Dinosaur wrote: ↑Mon Feb 05, 2024 8:24 pm
Beefy wrote: ↑Mon Feb 05, 2024 2:32 pm So here is the kind of change I expect a maxed out card to cause… As I said I was not able to get down to AZEO, but I do not believe the penalty for a maxed card will significantly change. [Quoted post had an image here.] This total UTI represents approximately 7.5%
In my past experiences going back more than five years, AZEO knocked my score out of the Fico 8 sweet spot of 850. As soon as I let something report, a month or so later it would return to 850. Also, have read similar findings elsewhere. It was my understanding credit analytics want to see live credit activity not all "0" zeros.
Ok so now you're confusing me a bit...you referenced AZEO but are describing AZ. That has me wondering if you meant to reference all zero or if the 1 card with a balance when you've been AZEO isn't counting for scoring purposes (like some store cards and some credit union cards).

All cards zero.

7 months ago

Tue Feb 06, 2024 5:10 am

Beefy

Seasoned Rebel

Level3 Last INQTuesday, May 28, 2024 Gardening For3 months, 10 days, 21 hours, and 1 minute Next Level in20 days, 2 hours, and 59 minutes on September 28th INQ 1yr onWednesday, May 28, 2025 INQ 1yr in8 months, 20 days, 2 hours, and 59 minutes INQ 2yr onThursday, May 28, 2026 INQ 2yr in1 year, 8 months, 20 days, 2 hours, and 59 minutes Goal12 months Goal DateWednesday, May 28, 2025 Goal In8 months, 20 days, 2 hours, and 59 minutes

EvenBetterThanTheRealThing wrote: ↑Mon Feb 05, 2024 9:03 pm
Dinosaur wrote: ↑Mon Feb 05, 2024 8:24 pm
Beefy wrote: ↑Mon Feb 05, 2024 2:32 pm So here is the kind of change I expect a maxed out card to cause… As I said I was not able to get down to AZEO, but I do not believe the penalty for a maxed card will significantly change. [Quoted post had an image here.] This total UTI represents approximately 7.5%
In my past experiences going back more than five years, AZEO knocked my score out of the Fico 8 sweet spot of 850. As soon as I let something report, a month or so later it would return to 850. Also, have read similar findings elsewhere. It was my understanding credit analytics want to see live credit activity not all "0" zeros.
Ok so now you're confusing me a bit...you referenced AZEO but are describing AZ. That has me wondering if you meant to reference all zero or if the 1 card with a balance when you've been AZEO isn't counting for scoring purposes (like some store cards and some credit union cards).

Dino mentioned AZEO dropping their score, this shouldn’t be possible unless other factors are at play. For example using chase as your except one card, and then paying off the balance after statement, chase will always update when your balance hits zero causing you to go from AZEO to AZ, or if you had AU accounts AU has a separate AZ penalty, and finally if the AZ was the except one or a charge card or a store card your regular accounts would not have a uti score also giving you AZ.

7 months ago

Tue Feb 06, 2024 5:14 am

Beefy

Seasoned Rebel

Level3 Last INQTuesday, May 28, 2024 Gardening For3 months, 10 days, 21 hours, and 1 minute Next Level in20 days, 2 hours, and 59 minutes on September 28th INQ 1yr onWednesday, May 28, 2025 INQ 1yr in8 months, 20 days, 2 hours, and 59 minutes INQ 2yr onThursday, May 28, 2026 INQ 2yr in1 year, 8 months, 20 days, 2 hours, and 59 minutes Goal12 months Goal DateWednesday, May 28, 2025 Goal In8 months, 20 days, 2 hours, and 59 minutes

Dinosaur wrote: ↑Mon Feb 05, 2024 8:24 pm
Beefy wrote: ↑Mon Feb 05, 2024 2:32 pm So here is the kind of change I expect a maxed out card to cause… As I said I was not able to get down to AZEO, but I do not believe the penalty for a maxed card will significantly change. [Quoted post had an image here.] This total UTI represents approximately 7.5%
In my past experiences going back more than five years, AZEO knocked my score out of the Fico 8 sweet spot of 850. As soon as I let something report, a month or so later it would return to 850. Also, have read similar findings elsewhere. It was my understanding credit analytics want to see live credit activity not all "0" zeros.

They do but few(er) accounts reporting and lower uti are also scoring positives AZEO is not required for maximum points only having a uti below 4.499% and few enough accounts reporting to not trigger accounts with balances. With charge cards, store cards, and AU accounts you may require more accounts reporting to avoid AZ penalties. But in hypothetical theory minus caveats AZEO should always be your highest points gain.

7 months ago

Tue Feb 06, 2024 7:08 pm

Beefy

Seasoned Rebel

Level3 Last INQTuesday, May 28, 2024 Gardening For3 months, 10 days, 21 hours, and 1 minute Next Level in20 days, 2 hours, and 59 minutes on September 28th INQ 1yr onWednesday, May 28, 2025 INQ 1yr in8 months, 20 days, 2 hours, and 59 minutes INQ 2yr onThursday, May 28, 2026 INQ 2yr in1 year, 8 months, 20 days, 2 hours, and 59 minutes Goal12 months Goal DateWednesday, May 28, 2025 Goal In8 months, 20 days, 2 hours, and 59 minutes

@BrutalBodyShots The point I lost on EQ8 returned today “high revolving balances” negative reason statement present. But No apparent point loss. TU lost the 41 points I mentioned but TU calls it “high credit usage” TU has had a HP in the last 12 months EQ has not… is it possible individual account UTI is only factored on new/seeking credit scorecards? As in beware borrower applied for credit and is maxing cards? Will update when myFICO gets around to finally checking my ex report.

7 months ago

Thu Feb 08, 2024 4:33 am

Dinosaur

Seasoned RebelDinosaur

Level4 Last INQMonday, April 8, 2024 Gardening For4 months, 30 days, 21 hours, and 1 minute Next Level in2 hours and 59 minutes on September 8th INQ 1yr onTuesday, April 8, 2025 INQ 1yr in7 months, 2 hours, and 59 minutes INQ 2yr onWednesday, April 8, 2026 INQ 2yr in1 year, 7 months, 2 hours, and 59 minutes Goal24 months Goal DateWednesday, April 8, 2026 Goal In1 year, 7 months, 2 hours, and 59 minutes

Beefy wrote: ↑Tue Feb 06, 2024 5:10 am
EvenBetterThanTheRealThing wrote: ↑Mon Feb 05, 2024 9:03 pm
Dinosaur wrote: ↑Mon Feb 05, 2024 8:24 pm In my past experiences going back more than five years, AZEO knocked my score out of the Fico 8 sweet spot of 850. As soon as I let something report, a month or so later it would return to 850. Also, have read similar findings elsewhere. It was my understanding credit analytics want to see live credit activity not all "0" zeros.
Ok so now you're confusing me a bit...you referenced AZEO but are describing AZ. That has me wondering if you meant to reference all zero or if the 1 card with a balance when you've been AZEO isn't counting for scoring purposes (like some store cards and some credit union cards).
Dino mentioned AZEO dropping their score, this shouldn’t be possible unless other factors are at play. For example using chase as your except one card, and then paying off the balance after statement, chase will always update when your balance hits zero causing you to go from AZEO to AZ, or if you had AU accounts AU has a separate AZ penalty, and finally if the AZ was the except one or a charge card or a store card your regular accounts would not have a uti score also giving you AZ.

No store cards and no AU's. Chase however, has done what you referenced and updated "off cycle" AZEO to AZ.