Utilization Scoring Minimalized on a Dirty Scorecard? (FICO 8)

3 years ago

Wed Feb 23, 2022 5:16 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, 24 days, 13 hours, and 38 minutes Next Level in6 days, 10 hours, and 22 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 38 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 38 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 38 minutes ago

I think your assessment that your dirty scorecard is nullifying the losses is correct. On a clean scorecard I'd imagine that there would be some pretty noticeable losses. Crossing the first known aggregate utilization threshold would definitely result in some losses, probably around 10 points give or take.

One question. You referenced that Capital One card moving to 46% reported individual utilization. Prior to that card reporting, what was your previous revolver highest utilization percentage? There's a chance that you moved across a threshold here before/after as well, something that again I think would have resulted in greater losses on a clean scorecard.

Good information with your unplanned test!

3 years ago

Wed Feb 23, 2022 5:41 pm

SoonerSoldier33

Seasoned RebelTeam Cash Back

Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 20 days, 13 hours, and 38 minutes Next Level in10 days, 10 hours, and 22 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 10 days, 10 hours, and 22 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 10 days, 10 hours, and 22 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 10 days, 10 hours, and 22 minutes

BrutalBodyShots wrote: ↑Wed Feb 23, 2022 5:16 pm I think your assessment that your dirty scorecard is nullifying the losses is correct. On a clean scorecard I'd imagine that there would be some pretty noticeable losses. Crossing the first known aggregate utilization threshold would definitely result in some losses, probably around 10 points give or take. One question. You referenced that Capital One card moving to 46% reported individual utilization. Prior to that card reporting, what was your previous revolver highest utilization percentage? There's a chance that you moved across a threshold here before/after as well, something that again I think would have resulted in greater losses on a clean scorecard. Good information with your unplanned test!

Good point about the individual utilization threshold. Previously, I only had a reported balance on 1 card...my Discover with a reported balance of $1885 against a $7K CL for 27% individual utilization. All my other revolvers report a $0 balance. So, I went from previous high individual utilization of 27% up to 46% along with the aggregate increase, and almost no score loss.

3 years ago

Wed Feb 23, 2022 5:49 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, 24 days, 13 hours, and 38 minutes Next Level in6 days, 10 hours, and 22 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 38 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 38 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 38 minutes ago

Yeah you actually had 4 factors increase near as I can tell:

1 - Aggregate utilization threshold crossed
2 - Individual utilization threshold crossed
3 - Reported revolving balance (dollars) increased
4 - AWB increased (+1)

I wouldn't expect factors 3 or 4 to adversely impact your score, but they are factors that could on another file. It is surprising to me that 1 and 2 didn't impact you at least a bit more. This is good information though for those on a dirty scorecard.

3 years ago

Sat Feb 26, 2022 4:08 am

Birdman

Primer AuthorCo-Founder

Birdman has been gardening for over 2 years.

Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 38 minutes Next Level in15 days, 10 hours, and 22 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 38 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 38 minutes ago

Utilization should be weighted more heavily on a dirty card. However you have a lot of things optimized and you only crossed one aggregate and one individual threshold utilizationwise. The only thing I can think is due to other factors being optimized you weren’t penalized much.

3 years ago

Sat Feb 26, 2022 10:30 am

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, 24 days, 13 hours, and 38 minutes Next Level in6 days, 10 hours, and 22 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 38 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 38 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 38 minutes ago

Birdman wrote: ↑Sat Feb 26, 2022 4:08 am Utilization should be weighted more heavily on a dirty card. However you have a lot of things optimized and you only crossed one aggregate and one individual threshold utilizationwise. The only thing I can think is due to other factors being optimized you weren’t penalized much.

Yeah? I always thought it was the opposite. With utilization being a bigger deal on a dirty score card I would think fairly strong (at least noticeable) score changes would have happened. I know if the same changes were made on my clean scorecard I would have seen score movement.

3 years ago

Sat Feb 26, 2022 3:04 pm

Birdman

Primer AuthorCo-Founder

Birdman has been gardening for over 2 years.

Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 38 minutes Next Level in15 days, 10 hours, and 22 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 38 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 38 minutes ago

BrutalBodyShots wrote: ↑Sat Feb 26, 2022 10:30 am
Birdman wrote: ↑Sat Feb 26, 2022 4:08 am Utilization should be weighted more heavily on a dirty card. However you have a lot of things optimized and you only crossed one aggregate and one individual threshold utilizationwise. The only thing I can think is due to other factors being optimized you weren’t penalized much.
Yeah? I always thought it was the opposite. With utilization being a bigger deal on a dirty score card I would think fairly strong (at least noticeable) score changes would have happened. I know if the same changes were made on my clean scorecard I would have seen score movement.

I believe it all depends on what’s in the profile, remember categories have maximum point allocations I believe as well as the overall score. Either way go to the Primer and look at the example scorecard from fico, it demonstrates Utilization is weighted more heavily on dirty cards. With that being said there are multiple dirty cards and there could be variations among them.