14-20 point 3B drop from reporting 0% util.

[Anonymous]

Sounds about right.  Ironically, once I reported a balance again a few weeks later my scores are all in excess of what they were prior by 6-10 points.  Can't really figure that one out.

[Anonymous]

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@Anonymous wrote:

Sounds about right.  Ironically, once I reported a balance again a few weeks later my scores are all in excess of what they were prior by 6-10 points.  Can't really figure that one out.

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Interesting...I wonder if this is an artificial way to gaining overall points.  Suppose the starting score is 700...

1) report 1-9% balance for several months ;

2) report 0% balance for one month ; score drops 10 points, now it's 690

3) report 1-9% balance again., score jumps 16 points, now it's 706, thus you've gained what you lost and then some

Naw...I'm wishing...it would never be that easy.  Too many other factors could come in play, but it's a nice thought.

[Anonymous]

True, there are many other factors.  Even if none of the other factors did come into play and this little "trick" did work, I'd think the following month it would return from 706 to 700, in essence fixing the "glitch" if you will.

There are simply too many moving parts to tell unfortunately.