Regular Contributor
Posts: 212
Registered: ‎06-20-2009
Re: Why did my equifax score drop 12 points

It's also worth noting that the ding for all-zero CC balances is a particular specialty at Equifax.  I did a series of tests a couple of years ago of what the impact was, for both EQ and TU like your comparison.  I found my EQ FICO score went down by 4 points and TU FICO went up by 6, for all zero balances, compared to my usual situation maintaining a $10 balance on one card account.  I went through several cycles and found this pattern to be absolutely repeatable.  YMMV, of course.

Starting Score: EQ 804 - (April 2009)
Upgraded thanks to FICO Forums: EQ 813 / EX 842 / TU 823 - (FICO scores from mortgage lenders, June 2010)
Recent Scores: EQ 807 / TU 799 - (March 2012)
Goal: Survive Another Day
Take the FICO Fitness Challenge