Azeo emergency!

[Shmike]

Need some help folks!

So two of my cards report on the 3rd. I had one of them paid off because it reported last month. The other one I left a $25 balance, approximately 1%. The zero balance reported first and brought my score down substantially 17 points and Experian and so far 23 points and Equifax! The $25 card my current rotating balance card reported yesterday. However, the damage is done! How long will it take for my scores to bounce back? Should I have lost that much for simply letting all my cards zero out? Please help!

[CreditCuriosity]

FICO has no memory.  Next cycle when they report if you practice AZEO you will recover your points.  I suggest you don't follow that or you will be panicking like this for no reason.  I am not certain of your scores but lenders are not going to care you having a 715 vs a 730 type of scenario.  Lenders like seeing use so this is likely good for you!

[Shmike]

I really hope so! Because I went from from the 780s to the 750s! 760 I think is the "very good" cut off so I think it is a substantial hit! I went from 782 to 757! So I guess to truly do a z e o two cards would have to report balances at some point in the month, correct?

[CreditCuriosity]

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@Shmike wrote:

I really hope so! Because I went from from the 780s to the 750s! 760 I think is the "very good" cut off so I think it is a substantial hit! I went from 782 to 757! So I guess to truly do a z e o two cards would have to report balances at some point in the month, correct?

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Going to give yourself a short life if you worry about things like this.  As stated FICO has no memory and will recover if you want to do AZEO  Only time I would consider that is if going for a mortgage or possibly a car.  Relax life is going to be fine .  Take care.

[Jnbmom]

I agree with @CreditCuriosity . Your scores should bounce back nothing to be that alarmed about . And AZEO is all except ONE , so all balances should reflect zero expect leave one with a small balance .

i personally don't bother with that and don't really see my scores move too much . I can see for some that are sweezing every point for a mortgage approval .

[markbeiser]

It isn't an emergency if you are not apping for new credit.
You are not apping for new credit are you?
You are chilling out and gardening arn't you?🤨

[Thomas_Thumb]

If you must play the AZEO game vary between 2 and 1 reporting to avoid AZ. For the majority of profiles AZE2 will not drop score vs AZE1. If you are one of the unfortunates with a skitish profile, AZE2 still should not drop score more than 5 points.

[MarkintheHV]

Anything above 740 gets you top tier for credit.  I used to AZEO but after awhile, I stopped doing it because I am not applying for anymore credit and the point difference isnt important

[Shmike]

Touche sir! However the point fluctuation is not conducive to my OCD LOL. Thanks for the reminder though! And yes I am gardening well until next year.

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@markbeiser wrote:

It isn't an emergency if you are not apping for new credit.
You are not apping for new credit are you?
You are chilling out and gardening arn't you?🤨

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@markbeiser wrote:

It isn't an emergency if you are not apping for new credit.
You are not apping for new credit are you?
You are chilling out and gardening arn't you?🤨

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@markbeiser wrote:

It isn't an emergency if you are not apping for new credit.
You are not apping for new credit are you?
You are chilling out and gardening arn't you?🤨

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[Horseshoez]

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@Thomas_Thumb wrote:

If you must play the AZEO game vary between 2 and 1 reporting to avoid AZ. For the majority of profiles AZE2 will not drop score vs AZE1. If you are one of the unfortunates with a skitish profile, AZE2 still should not drop score more than 5 points.

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I guess I'm lucky, my profile only seems to get temporarily whacked 15-20 points when I hit AZ; AZE1, AZE2, and AZE3 don't result in even a 1 point loss.