Stopped AZEO

[Anonymous]

That’s interesting. When I stopped PIF’ing all but one card each month... my fico 8’s dropped and cited, specifically, high credit card usage as the reason for scores dropping. During this time, no new accounts were opened, no collections nothing. I’m thinking something in my profile is more reactive to balances reporting vs not.

[Anonymous]

I've never let a card report $0 at all for the past 2+ years. What's interesting my recent CLI on my Fidelity card I let report with 32% usage and then paid to under 28% for the next statement and after 9 months they gave me a CLI because I had been a "responsible" customer.

So I'll usually let some post under 30% then pay to under 15% the next cycle then under 9% then above 10% so month over month creditors see I'm using the credit the way it should be and responsible. Keep in mind every payment made is reported as a positive and one with $0 will not. More positives you have the better overall payment percentage.