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cv91915

My Skores Have Gone Mad

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Posted (edited)

My Barclays Aviator Silver statement closed a few days ago with a balance of ~$25,800 (limit is $50,000).

 

Credit Sesame says:

 

yduc4qc.png

 

 

Edited by cv91915

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1 hour ago, eazy_money said:

what does your fico say? for comparisons sake.

I don't have any fresh FICO scores that were generated since this balance posted.

 

I will post updates when I do, but since the limit on this card is $50,000 I'm not expecting much (if any) movement on my FICO 8s.

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Yep ... VantageScore doesn't like "unusual" revolving utilization (e.g. using 50% of a card limit).  It's mostly why my Vantage 3 is at 706 right now, while my FICO 8 is 824. 

 

As you suggest, given the line magnitude, I'd expect <10 pt movement on your FICO 8.

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How's that lyric go?  "I don't care what Vantage may say, FICO is just alright ..."

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Vantage is just stupid.

Hardly a move on FICO.

What is your overall utilization if I may ask.

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46 minutes ago, althes said:

Vantage is just stupid.

Hardly a move on FICO.


What is your overall utilization if I may ask.

Between 3% and 4%.

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