$2,110 reporting with no score loss

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.

Have you identified any low-digit utilization percentage point thresholds for your file? Anything with aggregate reported dollars? I think you said you've just about always got 4 of 4 revolvers with [non-zero] balances reported, so that variable is eliminated. Curious at what points you have seen score fluctuations.

BrutalBodyShots wrote: ↑Sat Jul 10, 2021 1:09 am Have you identified any low-digit utilization percentage point thresholds for your file? Anything with aggregate reported dollars? I think you said you've just about always got 4 of 4 revolvers with [non-zero] balances reported, so that variable is eliminated. Curious at what points you have seen score fluctuations.

The $2,110 reporting is with 3-of-4 reporting a balance, which is the same number of accounts reporting as last month. So AWB as a cause is eliminated here. On the various FICO scoring models there is a 5% threshold on my scorecard. Going from 5 to 4% is good for +6 on all 3 F8s. VS3 doesn't have this threshold, and it shows here because that $2,110 is 5% aggregate vs 4% at $1,851. No change in VS3 score. VS3 doesn't care about 4-of-4 vs 3-of-4, but there may be an additional single point gain under $1500. I'm going to find out soon when EQ/TU are updated with my final AMEX balance for the month, which brings me to $1,451 aggregate. So far, VS3 is the most stable of all credit score models throughout my entire revolving credit history of 2yr7mo.

Like you, I have found VS3 to be very stable overall. I find that ironic because one of the biggest gripes you hear often is that VS3 is so unstable / unpredictable... has wild score swings for no identifiable reason etc. Perhaps you and I are outliers when it comes to VS3.

BrutalBodyShots wrote: ↑Sun Jul 11, 2021 12:11 am Like you, I have found VS3 to be very stable overall. I find that ironic because one of the biggest gripes you hear often is that VS3 is so unstable / unpredictable... has wild score swings for no identifiable reason etc. Perhaps you and I are outliers when it comes to VS3.

I was always surprised to hear about those wild swings and wondered what sort of reported balances were causing that. They must be pretty high, I would think. My VS3 historical score graph shows clearly just how stable it is with balances at or below $2,110. And that's for someone just starting out with revolving credit too, when score models generally react stronger to relatively minor changes.

Right. On a profile like yours I'd expect it to be much more volatile than the norm, yet you see stability. You are probably correct that reported balances are most often the cause for reported wild swings. You are also stable with respect to how many accounts with a balance report, where that may not be the case as often with others.

But what remains the same on her profile? 3-4 AWB and under 10% aggregate. Other people wildly fluctuate AWB and fluctuate higher. What parallels can you draw with yours BBS?

I feel I'm pretty steady with AWB and dollars reported as well, generally speaking. That will change though since now that I'm done apping I'm going to go back to NZ and just roll with statement balances being whatever they are.

I just think back to all those posts where people report a wild VS3 swing and say "but NOTHING CHANGED on my CR..." when it seems that even minor changes many times don't result in much of a shift at all.

Well I'll be....TU VS3 +1 point, via WalletHub this morning. 770 to 771. The change was my AMEX BCE finally updating at TU with a change in balance from $775 last month to $116 this month. (Paid $775 to $0, ran that card up to $2,000 in June, paid it down to $100 and then made a $16.50 charge a few days before closing.) I had $2,110 aggregate balance yesterday at WalletHub, with the first 3 cards updated for the month, still at 3-of-4 reporting a balance, with AMEX at $775. Today, $1,451 aggregate balance, same 3-of-4 reporting a balance, AMEX at $116. The line is at $1,500, because $1,571 did not result in an extra point on VS3.

Possible aggregate threshold at $2k, or individual threshold at $500? Sort of has to be one or the other if nothing else changed, I would think.

Just guessing on those dollar value threshold points, of course.

BrutalBodyShots wrote: ↑Mon Jul 12, 2021 11:52 am Possible aggregate threshold at $2k, or individual threshold at $500? Sort of has to be one or the other if nothing else changed, I would think. Just guessing on those dollar value threshold points, of course.

I just updated my post a minute before you posted. The line is definitely $1,500. I explain why I think that there.

Cool, $1500 identified! Obviously that's aggregate, have you seen anything individual balance wise at any point?

BrutalBodyShots wrote: ↑Mon Jul 12, 2021 11:58 am Cool, $1500 identified! Obviously that's aggregate, have you seen anything individual balance wise at any point?

Not yet. Right now I have the following (changes compared to last month):

• Mastercard: $0 (Same)
• Citi Costco Visa: $843 (Went above $500 this month)
• AMEX BCE: $116 (Went below $500 this month)
• Discover: $492 (Went below $500 this month)

Usually AMEX and Discover have been above $500 with a 770 VS3 score.

Gotcha. I would say the Citi and Amex changes are a wash, but the Discover in addition creates a bit of noise.

@Cassie I wonder if the threshold iwould be worth a different amount if for instance you were at AZEO?

Birdman wrote: ↑Wed Jul 14, 2021 7:14 pm

On the various FICO scoring models there is a 5% threshold on my scorecard. Going from 5 to 4% is good for +6 on all 3 F8s. VS3 doesn't have this threshold, and it shows here because that $2,110 is 5% aggregate vs 4% at $1,851. No change in VS3 score. [/quote] @Cassie I wonder if the threshold iwould be worth it if for instance you were at AZEO? [/quote] You mean, test the 5% aggregate threshold with 1-of-4 reporting a balance? The highest aggregate balance I can report at AZEO without that card reporting above 9% is $1519. That's 1519/41500 = 3.66% = 4% util for FICO scoring. My AMEX BCE is my highest limit card at $16,000. I can only put a maximum of $1519.99 on it to keep it below 10% for FICO scoring. (That's 9.49375 or 9%. A penny more would be 1520 at 9.500%, which is 10% for FICO.)