AMEX Charge Card Dropped FICO 8 Score...Why?

[Anonymous]

I won't get into too many details (unless the larger picture is needed), however I utilize the credit monitoring service through MyFICO and after reporting balances of $0 on two AMEX NPSL Charge cards (highest balance ever reported of $3500) my FICO 8 across all three CRA's dropped significantly (9-14 points). I am aware that the drop in score was tied directly to the balance change in AMEX through the MyFico alert.

First, why did the decreas? Secondly, should I let a balance of roughly $7,500 report this month, or should I pay this down to $0 or at least pay it down to its highest reported balance of $3500?

Simple confused about the drop in score and what I do to get those points back.

[CH-7-Mission-Accomplished]

Do you have any other credit cards that reported a balance -- even $5?

FICO will penalize you if all of your revolving cards report a $0 balance.  You can just let one card report $5 and you will be fine.

[Anonymous]

Is this the first time the AMEX NPSL's reported?  If so, it could be a drop in AAoA accounting for the score change...

Oz

[Anonymous]

Credit Profile in October 2015 (Credit Util 15%)
Discover - Reported $0
AMEX Platinum - Reported $32 (High balance of $3500)
AMEX PRG - Reported $0 (High balance of $3500)
Capital One - Reported $0
CSP - Reported $2500

Credit Profile - November (Expected Credit Util 8%)
Discover - Reported $100
CSP - Reported $700
AMEX Platinum - Reported $750
AMEX PRG - Contemplating reporting $7500 or if I need to have this report $0
Capital One - Reported $0

[Anonymous]

Not the first time the AMEX cards have reported. I just thought reporting $0 would not affect me negatively; as I was under the impression AMEX NPSL cards aren't factored into utilization?