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Here are the scores below,
Equifax
Fico Score 5 - 724 to 755 (+31)
Fico Bankcard Score 5 - 738 to 766 (+28)
Fico Auto Score 5 - 732 to 759 (+27)
Fico Score 8 - 774 to 774 (0)
Fico Bankcard Score 8 - 774 to 774 (0)
Fico Auto Score 8 - 771 to 771 (0)
Fico Score 9 - 781 to 781 (0)
Fico Bankcard Score 9 - 790 to 790 (0)
Fico Auto Score 9 - 799 to 799 (0)
Transunion
Fico 4 - 738 to 750 (+12)
Fico Bankcard Score 4 - 765 to 777 (+12)
Fico Auto Score 4 - 747 to 758 (+11)
Fico 8 - 773 to 757 (-16)
Fico Bankcard Score 8 - 790 to 772 (-18)
Fico Auto Score 8 - 771 to 753 (-18)
Fico Score 9 - 771 to 765 (-6)
Fico Bankcard Score 9 - 781 to 775 (-6)
Fico Auto Score 9 - 769 to 763 (-6)
Experian
Fico Score 2 - 744 to 747 (+3)
Fico Bankcard Score 2 - 749 to 752 (+3)
Fico Auto Score 2 - 746 to 749 (+3)
Fico Score 3 - 757 to 759 (+2)
Fico Score 8 - 776 to 760 (-16)
Fico Bankcard Score 8 - 786 to 769 (-17)
Fico Auto Score 8 - 774 to 756 (-18)
Fico Score 9 - 775 to 767 (-8)
Fico Bankcard Score 9 - 784 to 776 (-8)
Fico Auto Score 9 - 783 to 775 (-8)
I've noticed this, too. I have one AU (CAP1 that's not listed in my sig) and whenever it posts a zero balance (and I have balances on my own cards, it doesn't matter whether it's AZEO or more than one) I lose ~15 pts. I think as soon as the AU posts a zero balance, it's almost like the entire AU card is being completely excluded. As soon as I report a balance on the AU card, the points I lost are returned.
Here's my original thread where I noticed this:
https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Updated-15-pt-score-drop-trying-to-figur...
And another similar situation:
https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/My-score-dropped-14-points-and-I-can-t-f...
@Anonymous wrote:
Drwaz99 If you lose 15 when it reports zero what happens when your other cards also report zero? Do you get the additional no revolving balance penalty?
What happens when you use that AU card as your AZEO card?
It's been a couple of months, but if I recall correctly, I lost about 25 pts total on EX when that happened (I didn't intentionally do it, but there was a brief moment between statement cuts where there were all zero balances). But I don' think it's due to "no revolving balance" being scored twice but rather the AU card's history is being completely discounted. (my CAP1 AU has is 26 yrs old and it hurts my AAoA significantly when it posts zero)
I've never had the AU be the AZEO card but I will definitely try that out after the beginning of the year when I get through Xmas shopping.
@Anonymous wrote:
Also, know which scorecard you are on? if not, Any derogs? # of accounts on CR open and closed? AoOa? and AoYA?
I have no idea about scorecards. No derogs; 7 total accounts including the AU account (but 6 at the time of my examples above); AoOA is 3yrs (26 yrs for the AU); AAoA is 1y6mo (5yr6mo with AU); AoYA currently 3mo and was roughly the same with examples above.