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3 years ago
Fri Jul 09, 2021 2:17 pm
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
I had a temporary aggregate balance of $2,110 reporting today, and didn't lose a single point on VS3 - still 770. 3 of my 4 cards have closed and reported so far. This is up from $1,851 last month.
That's 5% aggregate (5.08% of $41,500 total credit limit), which is +1% from last month.
My AMEX BCE is always the last to close & report every month, and it will be reporting a much lower balance this month, which will bring my final aggregate balance for the month down to $1,451 across 4 open cards.
That's 3.496% of $41,500, and you can bet the farm that will report and be scored as 3% for FICO scoring and VS3.
Actual total balance across 4 cards if including cents - which credit scoring doesn't use - is $1,452.51. That's 3.500%, which would be a solid 4% for credit scoring.
Click images to enlarge them.
![Credit Union Mastercard | $10,000 Image](/forum/images/cards/c-red-mastercard.png)
![Citi Costco Anywhere Visa | $18,000 Image](/forum/images/cards/c-citi-costco-visa.png)
![American Express Blue Cash Everyday | $20,000 Image](/forum/images/cards/c-amex-bce.png)
![Discover it | $16,000 Image](/forum/images/cards/discover-it-pink.png)
- Tagline Loves long talks on the beach
- Score data EQ8:790 TU8:790 EX8:795
- Classic 8 Scorecard CLEAN/THICK/MATURE/NO-NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/MATURE/NO-NEW-ACCOUNT
- AoOA 6y9m
- AoORA 5y9m
- Date of Last Inquiry and/or New Account Opening February 14th, 2020