30 point drop in Experian Fico score due to not "Using two credit cards"

[Anonymous]

Yesterday , my Experian Fico score took a 30 point drop due to "Not using credit cards" .  This drop seems very excessive. I have 5 credit cards now, I don't have a need to use every single one of them. So I take a big hit because of this? Seems like bs to me.

[Anonymous]

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@Anonymous wrote:

Yesterday , my Experian Fico score took a 30 point drop due to "Not using credit cards" .  This drop seems very excessive. I have 5 credit cards now, I don't have a need to use every single one of them. So I take a big hit because of this? Seems like bs to me.

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Did all report a $0 balance?

[Anonymous]

Also, how long had it been since you used them?

[Anonymous]

To avoid that you just need to report a balance on one card of any amount right?

[Anonymous]

I took about a 30 pt hit on my scores for reporting at $0 - my bad - I timed it wrong and paid off Discover before something else reported - which should happen this week....I expect to see some bounce when the new Util reports.  (I also have new account that should report so I can't tell the full effect of one or the other).

I think it seems silly too - use it and pay it off and you get dinged.  Use it too much, dinged, use it not enough - yep dinged.....pay off a car loan (I thought that was a good thing) get dinged.    It seems you have to show some balances to maximize score.....

[Anonymous]

I leave a dollar on one card

[Anonymous]

So will this drop have a negative impact for awhile? 

[Anonymous]

Utilization has no memory, as soon as one of your cards reports a balance it'll be like it never happened

[Anonymous]

Assuming having no zero balances was the sole problem

[Anonymous]

It is the sole problem. I went through credit reports from 3 weeks ago before I took the hit, and compared them to yesterdays. Thanks for the info!