Decrease in balance on credit card balance without FICO score increase

[lg8302ch]

I did a small test with reporting balances on ALL my cards in May and Discover was even maxed out. This just to see the impact on my EQ Fico score. Lost 40+ points and by paying down the next month I got my points back. So you should see a jump  - good luck

[MissBee418]

Thanks to all for their feedback. Maybe I just need to learn patience. Today I got a score watch alert and my score increased by 8 points with no other changes being posted to my credit report. Looks like all is well. I am almost at 700 on Equifax. Yeah!!

[RUNBABYRUN2013]

I ran a  0 balance on both my Capitalone cards and my Orchard Bank card (now Capitalone) and I was whacked 5 points for not utilizing my cards.

I use my cards I just pay them off each month. 

Can anyone tell why this is?

[guiness56]

FICO doesn't like to see all of your CC balances at 0.  They like to see you use your credit but wisely.

[RUNBABYRUN2013]

Thanks

[Shogun]

---

@guiness56 wrote:

FICO doesn't like to see all of your CC balances at 0.  They like to see you use your credit but wisely.

---

After messing around with mine...    My sweet spot is all my CCs reporting $0 except for one reporting 4%.  YMMV, that's just what I've found to work best on mine.