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UPDATE: I let my Cap1 card report a small balance and I gained my 20 points back for FICO8 and got my 8 points back and then some on FICO2, which is now 12 points higher at 706. My credit rating also went back to Good.
I have a ~5 year old CO and AZEO works for me. All zero hurts bad, all using hurts a bit. I have 2 bank cards and 1 store card. My except-one card has to be a bank card for it to work correctly.
All data pulled from CCT (Credit Check Total) and corroborated from credit limit increase rejection letter reason codes and scores, and my bank and Discovers free credit scores.
If anyone wants data points I have been monitoring my score and progress over the last year on CCT while learning from the forum.