https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/6100375#M175174 <P>Hello,</P><P>&nbsp;</P><P>I'm somewhat new to credit and I thought I understood what makes my FICO score but I got a notification from Experian that my score dropped because I wasn't carrying a balance on a revolving account. I imagine it's the Uber Visa which I've stopped using since they changed the rewards system. I also pay off my cards in full each month. Would this negatively affect my score?</P> Thu, 06 Aug 2020 00:57:21 GMT Clegga 2020-08-06T00:57:21Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/6100375#M175174 <P>Hello,</P><P>&nbsp;</P><P>I'm somewhat new to credit and I thought I understood what makes my FICO score but I got a notification from Experian that my score dropped because I wasn't carrying a balance on a revolving account. I imagine it's the Uber Visa which I've stopped using since they changed the rewards system. I also pay off my cards in full each month. Would this negatively affect my score?</P> Thu, 06 Aug 2020 00:57:21 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/6100375#M175174 Clegga 2020-08-06T00:57:21Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/6100382#M175175 <P>You experienced the all accounts reporting zero penalty. For best scoring, practice AZEO. That's all accounts at zero except one. Have it report less than 8.9%. Having it report $5-10 should do it.</P> Thu, 06 Aug 2020 01:13:54 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/6100382#M175175 blindambition 2020-08-06T01:13:54Z