@SouthJamaica wrote:
@Suzette2 wrote:
@SouthJamaica wrote:
@Suzette2 wrote:So this is a weird one. My husband has a disco which I'm an AU - and a B of A as well as a delta reserve. The way this month fell, I accidentally paid all his cards to zero - when I usually report a small balance on his disco. My cards show a small balance on my disco and my macys. Yesterday evening I checked and my EX was 705. This morning it was down 12 points. The only diff is his disco reporting zero - the one I'm an AU on. Anyone else see this happen?
This I haven't seen. I've seen it the other way around, where the AU is at all zero, and the primary card holder experiences a penalty because of that. But I've never heard of the AU being penalized because the primary card holder was at all zero.
The posts to which people are referring all relate to the normal AU penalty, where the AU's all-zero causes a penalty for the primary.
Yep- happened to me. I will see if the score goes right up when something else reports with a balance.
Yes I know it happened. You explained it very clearly.
I have never seen such a thing, and I think those in this thread who think they have seen it are all referring to the reverse situation -- where the AU's all-zero causes a penalty to the primary cardholder.
I think the assumption being made here is that the $0 reporting on DH's report = a $0 reporting on OP's report
Which makes sense. Discover should be reporting to both, at the same time with the same balance.
OP has three cards on their report for which they are the AU.
Discover reports $0 (presumably to OP and DH), causing the following to happen:
OP's report (AU cards only):
Discover AU Card 1: Balance $0
AU Card 2: Balance $0
AU Card 3: Balance $0
FICO sees this as all zero for AU cards specifically and penalizes this behavior in the form of a 10-20 point penalty.
What ultimately ends up happening to OP's DH's credit is irrelevant and has no bearing on the penalty incurred by OP.
If OP or OP's DH puts a charge on their Discover card (the same one in which OP is the AU on) and has Discover rereport the balance:
Discover AU Card 1: Balance $10
AU Card 2: Balance $0
AU Card 3: Balance $0
The penalty should go away.
@GZG wrote:
@SouthJamaica wrote:
@Suzette2 wrote:
@SouthJamaica wrote:
@Suzette2 wrote:So this is a weird one. My husband has a disco which I'm an AU - and a B of A as well as a delta reserve. The way this month fell, I accidentally paid all his cards to zero - when I usually report a small balance on his disco. My cards show a small balance on my disco and my macys. Yesterday evening I checked and my EX was 705. This morning it was down 12 points. The only diff is his disco reporting zero - the one I'm an AU on. Anyone else see this happen?
This I haven't seen. I've seen it the other way around, where the AU is at all zero, and the primary card holder experiences a penalty because of that. But I've never heard of the AU being penalized because the primary card holder was at all zero.
The posts to which people are referring all relate to the normal AU penalty, where the AU's all-zero causes a penalty for the primary.
Yep- happened to me. I will see if the score goes right up when something else reports with a balance.
Yes I know it happened. You explained it very clearly.
I have never seen such a thing, and I think those in this thread who think they have seen it are all referring to the reverse situation -- where the AU's all-zero causes a penalty to the primary cardholder.
I think the assumption being made here is that the $0 reporting on DH's report = a $0 reporting on OP's report
Which makes sense. Discover should be reporting to both, at the same time with the same balance.
OP has three cards on their report for which they are the AU.
Discover reports $0 (presumably to OP and DH), causing the following to happen:
OP's report (AU cards only):Discover AU Card 1: Balance $0
AU Card 2: Balance $0
AU Card 3: Balance $0
FICO sees this as all zero for AU cards specifically and penalizes this behavior in the form of a 10-20 point penalty.
What ultimately ends up happening to OP's DH's credit is irrelevant and has no bearing on the penalty incurred by OP.
If OP or OP's DH puts a charge on their Discover card (the same one in which OP is the AU on) and has Discover rereport the balance:Discover AU Card 1: Balance $10
AU Card 2: Balance $0
AU Card 3: Balance $0
The penalty should go away.
Yes- it's back up today after BOfA reported $12
12/22 : 
