AZEO - Ding for Zero UTI or Zero $ Reported?

[pacem_et_libertatum]

Hello All ..

My 1st chance at AZEO (bankcard) and the $137 balance, tho reported as a balance on card, resulted in zero uti for card and aggr uti...

I have read even a $3 balance will avoid the All Zero ding. Does the indiv card (and/or aggr uti) need a 1% or more to see a nice score bump?

Please help me understand ...I can't find the answer searching the forum and Googling!

Thanks for your thoughts...

PeL

[Anonymous]

If the balance reported on the card, you are at AZEO and FICO is seeing that as 1% utilization.

I'm thinking you're looking at some fluff CMS software that tells you your utilization percentage and because you're below .49% (for example) it's rounding down to 0%.  CMS software doesn't matter, what FICO sees matters and if you have a $137 balance reported on a bank card I can assure you that you're implementing AZEO correctly.

[pacem_et_libertatum]

Great!  

Thanks so much for clarifying.. I'm sure that's it.... Fluff CMS...  

Really appreciate you responding.  

PeL

[Anonymous]

You got it. Out of curiosity, which CMS were you using? I've seen .49 rounded down to 0 but also have heard of .99 rounding down to 0 as well.

Rest assured that for FICO scoring purposes, anything non-zero, even .0001% utilization is scored as 1%.

[CH-7-Mission-Accomplished]

CCT reports me as 0% utilization ($173 owing on one card, $184,000 limits), but FICO scores it correctly (as one card reporting a balance).

[Anonymous]

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@CH-7-Mission-AccomplishedCCT reports me as 0% utilization ($173 owing on one card, $184,000 limits), but FICO scores it correctly (as one card reporting a balance).

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Yup, that's just CCT rounding things down thinking they're helping when in fact they aren't. 

No doubt if you look at your negative reason statements on CCT, none of them will say "no revolving credit use" which if you go by their "0% utilization" graphic one might expect to see that statement listed.