@misfit928 wrote:I just pulled my EQ Fico today and my score is 724. The one I pulled last month was 727. I only have a Orchard secured card and a Jared's The only change I can think of is that I let both of my credit cards report at $0. I timed the payments incorrectly to show utlity in the reporting.
Could it be possible that I got dinged the -3 points for reporting zero balances?
It's very possible. FICO seems to look down on all zero balances. 
Next month just make sure to have a small balance report on one of your cards ( and then PIF before the due date of course) and I suspect you'll get your points back.
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".