DP on Fico 8 score drop with 0 util

[Anonymous]

Just thought I’d post this DP; my util transiently went from <1% to 0 (for a few days until next card reports) and FICO 8s dropped from 820-830 to 795-805.

[CreditInspired]

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@Anonymous wrote:
Just thought I’d post this DP; my util transiently went from <1% to 0 (for a few days until next card reports) and FICO 8s dropped from 820-830 to 795-805.

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Unfortunately, when all balances report $0, FICO penalizes for that. Always let one card report at least 1-2%. 

[Anonymous]

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@Anonymous wrote:
Just thought I’d post this DP; my util transiently went from <1% to 0 (for a few days until next card reports) and FICO 8s dropped from 820-830 to 795-805.

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That sounds like 25 points lost on average, a bit higher than the typical 15-20 points we see reported.  If you could provide a bit more information concerning your file that may be helpful in understanding why your loss may have been a bit higher than usually expected... perhaps things like you age of accounts factors, inquiries, etc.

[Anonymous]

AAoA 11 years 10 months
Aoya 4 years 4 months
Oldest account 20 years 8 months
Inquiries 1
TCL 295k

[Anonymous]

How about total number of accounts both open and closed on your CR as well as total number of open revolvers?

TCL BTW is not a profile factor that impacts FICO scores.