[Kimberly Johnson]

Hey everyone—I have a file that is exactly 4-5 points shy of a better pricing tier/approval. When you are using a score simulator for a rapid rescore, what is your go-to “micro-adjustment” that consistently yields a handful of points without requiring the borrower to liquidate massive amounts of cash? Are you finding the AZEO method or pushing under the 10% utilization threshold more reliable in the current models? Thanks in advance!