AU balance and FICO Drop

[Bankrupt2019]

I have an AU Chase account on my report form a close friend that she lets me control completely. I paid the balance from $5 to $0 and lost 3 points on my score. I'm at AZEO without this card  reporting a balance, is there a penalty for 0 balance on AU cards? 

[blindambition]

There are DP showing AU cards have their own All Zero reporting penalty. Also, Chase is its own unique beast. It automatically reports a 0 balance, unlike other lenders that report when statement closes.

[spiritcraft1]

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@Bankrupt2019 wrote:

I have an AU Chase account on my report form a close friend that she lets me control completely. I paid the balance from $5 to $0 and lost 3 points on my score. I'm at AZEO without this card  reporting a balance, is there a penalty for 0 balance on AU cards? 

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Yes, absolutely. 

[Bankrupt2019]

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@spiritcraft1 wrote:

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@Bankrupt2019 wrote:

I have an AU Chase account on my report form a close friend that she lets me control completely. I paid the balance from $5 to $0 and lost 3 points on my score. I'm at AZEO without this card  reporting a balance, is there a penalty for 0 balance on AU cards? 

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Yes, absolutely. 

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Seems a bit absurd, but it is what it is I suppose. I guess I'll let it report $5 next month and see if I get my 3 points back.

[Anonymous]

That doesn’t sound like enough points it’s probably from something else.

[Bankrupt2019]

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@Anonymous wrote:
That doesn’t sound like enough points it’s probably from something else.

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Literally nothing else has changed in 2 months,  unless it's just some kind of an aging thing 🤷🏻‍♂️

[Duke_Nukem]

Which bureau had the 3 point drop?

My EX8 drops 14-15 points when my AU account reports $0.  However, TU8 only seems to drop 3 points in the same circumstance.  EQ8 doesn't move at all.  Disclaimer, I don't get very many TU and especially EQ scores in a month so my scores may be fluctuating due to other changes.  My profile doesn't have much change, though... so perhaps my experience accurately reflects the AU AZ penalty.

[Bankrupt2019]

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@Duke_Nukem wrote:

Which bureau had the 3 point drop?

My EX8 drops 14-15 points when my AU account reports $0.  However, TU8 only seems to drop 3 points in the same circumstance.  EQ8 doesn't move at all.  Disclaimer, I don't get very many TU and especially EQ scores in a month so my scores may be fluctuating due to other changes.  My profile doesn't have much change, though... so perhaps my experience accurately reflects the AU AZ penalty.

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It was my TU8 as well that lost the 3 points.

[Anonymous]

Maybe TransUnion has lesser penalties for that then we will have to start paying attention, wonder if it’s scorecard dependent?