https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/One-for-the-books-or-FICO/m-p/4006173#M93401 <P>I have been leaving only one account report a balance for quite some time, to be able to keep my scores up so there will be no AA..to take advantage of the chase 5% bonus category last month i charged $400 on my card(freedom)..in the restaurant category...i had a $304 balance on it last month...so i made two $350 dollar payments this month and bang...18 point drop on equifax.. mind you i still have a $4.00 balance...recent alert says the balance on one of your accounts has decreased by $304..score 721, down 18 from 739....even leaving a balance on an account after paying down the last month balance in full might not be used as the account with a balance if you had a running balance...not too worried as it will come back as it usually does.. but not good if you want to app....</P> Thu, 14 May 2015 12:46:30 GMT getrdone1 2015-05-14T12:46:30Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/One-for-the-books-or-FICO/m-p/4006173#M93401 <P>I have been leaving only one account report a balance for quite some time, to be able to keep my scores up so there will be no AA..to take advantage of the chase 5% bonus category last month i charged $400 on my card(freedom)..in the restaurant category...i had a $304 balance on it last month...so i made two $350 dollar payments this month and bang...18 point drop on equifax.. mind you i still have a $4.00 balance...recent alert says the balance on one of your accounts has decreased by $304..score 721, down 18 from 739....even leaving a balance on an account after paying down the last month balance in full might not be used as the account with a balance if you had a running balance...not too worried as it will come back as it usually does.. but not good if you want to app....</P> Thu, 14 May 2015 12:46:30 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/One-for-the-books-or-FICO/m-p/4006173#M93401 getrdone1 2015-05-14T12:46:30Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/One-for-the-books-or-FICO/m-p/4008891#M93445 <P>well....one day later bbva shows up on my &nbsp;eqifax account and all 18 points have been reinstated..bbva shows up as a new account and a $400 balance..so all is good.. right?? WRONG!!! NOW &nbsp;its transunion....down 15 points... 804 to 789........just gotta wait a day or two....</P><P>&nbsp;</P> Fri, 15 May 2015 16:54:32 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/One-for-the-books-or-FICO/m-p/4008891#M93445 getrdone1 2015-05-15T16:54:32Z