I will agree with much of what has already been said, and add that while score changes due to utilization are muted on dirty profiles like mine when compared to clean profiles, the EX AZ penalty is still 22pts. It's what I've experience for brief period of AZ when changing what card reports for AZEO. That being said, I doubt I'll ever do AZEO again until I'm in a situation where I can get a mortgage and need to maximize points. Since goign to AZE2 (2/5 cards reporting) I've had no significant changes and now that I have 6 cards I may end up 3/6 ocasionally. It's just not worth the effort and is so much easier to let balances report naturally (at least for the cards I use regulalry).
