@Anonymous-own-fico wrote:
@dragontears wrote:
Date of last payment is reported for all my accounts, even the ones with a $0 reporting balance.
Do you have any Amex cards? Because none of my Amex cards update the activity date when the balance is zeroed before the statement date. But even if some or all cards report, FICO doesn't care. I recently got "There are no recent balances on your revolving credit accounts. Your FICO score was hurt because you are not currently demonstrating active revolving credit management." Yet every single of my credit cards is used every month, lol.
I don't have Amex so can't comment on that, but chase, discover, cap1 and US Bank all report the last payment date.
My understanding is for FICO scoring leaving a small balance on one card is "optimal" and you get "dinged" if every card reports 0. The question I was answering is "How can other lenders tell if an account is inactive" (for manual review, I would assume automatic systems don't care much as long as it is reported as "Paid as agreed")
