Best course of action to optimize agg util?

LaHossBoss wrote: ↑Fri Sep 03, 2021 9:02 pm I got myself into a bit of a bind and trying to figure out which is the best of a bad situation. SO got an increase on his Dell CC and it puts his agg util right at 10%. Unfortunately to get under that threshold it will be a bit tricky. Dell already reported for the month so making another payment to them is out. The only options I see are: 1) Let Cap One report $0. This means AWB will be 1 of 3 (1 of 4 incl AU) instead of 2 of 3 / 2 of 4 (AU). And I may just get agg right under the rounding point and get 9% to report. This also means only a store card will have a balance reporting and there will be no bank cards with a balance. Will all of this just cancel each other out, score-wise? I have to let the AU report or get hit with the AU AZ penalty. 2) Let the chips fall where they may and just accept being at 10% agg util and wait til next month. So far, getting Dell from 48% > 28% ind util made zero scoring difference, so my only other option is getting agg util under 10%. There is an app on the horizon, so trying to pretty things up! @Birdman @Cassie @BrutalBodyShots @Allzero

Birdman wrote: ↑Fri Sep 03, 2021 9:15 pm

LaHossBoss wrote: ↑Fri Sep 03, 2021 9:02 pm I got myself into a bit of a bind and trying to figure out which is the best of a bad situation. SO got an increase on his Dell CC and it puts his agg util right at 10%. Unfortunately to get under that threshold it will be a bit tricky. Dell already reported for the month so making another payment to them is out. The only options I see are: 1) Let Cap One report $0. This means AWB will be 1 of 3 (1 of 4 incl AU) instead of 2 of 3 / 2 of 4 (AU). And I may just get agg right under the rounding point and get 9% to report. This also means only a store card will have a balance reporting and there will be no bank cards with a balance. Will all of this just cancel each other out, score-wise? I have to let the AU report or get hit with the AU AZ penalty. 2) Let the chips fall where they may and just accept being at 10% agg util and wait til next month. So far, getting Dell from 48% > 28% ind util made zero scoring difference, so my only other option is getting agg util under 10%. There is an app on the horizon, so trying to pretty things up! @Birdman @Cassie @BrutalBodyShots @Allzero

@LaHossBoss it’s only a store card reports you receive a partial AZ loss, however that should be less of a loss than the AU AZ loss. Remember you only have to get below 9.5%. Does SO have any other AUs? So option one would probably give a partial AZ loss for the store card being the only one with a Balance, but you should probably get some points for going under 10% aggregate. Also beware there is the possibility that primary and authorized user utilization metrics are independent of each other. We’re not positive of that yet.

LaHossBoss wrote: ↑Fri Sep 03, 2021 9:02 pm 1) Let Cap One report $0. This means AWB will be 1 of 3 (1 of 4 incl AU) And I may just get agg right under the rounding point and get 9% to report.

BrutalBodyShots wrote: ↑Sat Sep 04, 2021 3:31 am Not sure what lenders specifically you have reported balances with currently, but are any of them known to do an off-cycle reporting? If so, take your balance down to what you'd like it to be (reported) and request that they report again.

LaHossBoss wrote: ↑Fri Sep 03, 2021 9:02 pm There is an app on the horizon, so trying to pretty things up!

Cassie wrote: ↑Sat Sep 04, 2021 5:27 am

LaHossBoss wrote: ↑Fri Sep 03, 2021 9:02 pm There is an app on the horizon, so trying to pretty things up!

Are they going to pull EX8? If so, I'd probably go with getting the aggregate balance amount just below .095*(total credit limit). On my file, that number is $3,942.50 , which means I can actually let $3,942.99 report and still be under 10% for FICO scoring because cents don't count. EQ/TU8 have definitely been more sensitive to AWB on my clean file, but that might not be the case for you.

Cassie wrote: ↑Sat Sep 04, 2021 5:27 am EQ/TU8 have definitely been more sensitive to AWB on my clean file, but that might not be the case for you.

LaHossBoss wrote: ↑Sat Sep 04, 2021 6:52 am $1548.88 is 9.4% (rounding down to 9%) Current balance between the 3 accounts is $1582 9.6% (rounded). Dell is reporting at $1545 Lol looking at this closer...not sure this is gonna work out I would basically have to let the AU Cap One report at $3.88 and I just don't see that happening...I just cant risk both of us getting dinged hard.