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cheddar wrote:The only thing FICO sees is what is reported to the CRAs. Your score will drop if all of your revolving accounts report $0, because FICO gives you points for responsible use of credit. Showing all $0 balances is not an indication of using credit responsibly; it is an indication of not using credit at all.For maximum FICO points, allow a balance of 1-9% of the limit to report on one card only.