topic AU AZ Data point in Understanding FICO® Scoring https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/AU-AZ-Data-point/m-p/6280634#M185397 <P>So when reducing my balances I paid off an AU card before I realized there was an AU AZ penalty. I noticed a 6 point drop when paying the card off. After letting a balance report this month my score increased by 8 points. The scores are EX FICO8 scores, as expected EX FICO2 was not affected by the change.</P><P>AAoA is 3 years 9 months, AoOA is 8 years 8 months, AoYRA is 9 months, clean profile, 14 open revolving accounts and 5 closed revolving accounts</P><P>&nbsp;</P><P>Just figured I would share some data points and see if anyone finds them of benefit. If any other data points would be helpful let me know.</P> Wed, 17 Mar 2021 20:51:18 GMT Anonymous 2021-03-17T20:51:18Z AU AZ Data point https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/AU-AZ-Data-point/m-p/6280634#M185397 <P>So when reducing my balances I paid off an AU card before I realized there was an AU AZ penalty. I noticed a 6 point drop when paying the card off. After letting a balance report this month my score increased by 8 points. The scores are EX FICO8 scores, as expected EX FICO2 was not affected by the change.</P><P>AAoA is 3 years 9 months, AoOA is 8 years 8 months, AoYRA is 9 months, clean profile, 14 open revolving accounts and 5 closed revolving accounts</P><P>&nbsp;</P><P>Just figured I would share some data points and see if anyone finds them of benefit. If any other data points would be helpful let me know.</P> Wed, 17 Mar 2021 20:51:18 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/AU-AZ-Data-point/m-p/6280634#M185397 Anonymous 2021-03-17T20:51:18Z Re: AU AZ Data point https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/AU-AZ-Data-point/m-p/6280646#M185398 <P>6 points is not too bad - compared to some of the higher losses we've seen reported here.&nbsp; And an extra 2 points for your trouble lol</P> Wed, 17 Mar 2021 21:01:58 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/AU-AZ-Data-point/m-p/6280646#M185398 thornback 2021-03-17T21:01:58Z