All Zero = 12 to 25 point decrease...AZEO = 12 - 25 pt increase

[909]

UPDATE: THE POINTS ALL CAME BACK WHEN I WENT TO AZEO (see below for the update)

I don't watch AZEO too closely, but going to All Zero resulted in a 12 to 25 point drop with Experian dropping from 848 to 823. This was fun. I'll report back when I'm no longer All Zero...

Util on the CC that was paid off for $695 was 3.3% at $695 (CL of $20,500). Total UTIL was $695 of $177,700. I don't know of any other changes that could have caused this drop other than paying my only CC with a balance from $695 to $0.

[Anonymous]

@909  Thank you for the dp and look forward to your update!  Beautiful scores with or without AZEO! 🙂

[Anonymous]

I see All Zero, but I don't see Except One. I thought that AZEO was you had to leave a small balance on one card reporting (PIF before due date), while all others Zero. Fico scoring penalizes you for just All Zeroes. AFAIK

[AllZero]

Thank you for sharing the data points. The 25 points is a decent hit. You have great scores to absorb the penalty. Hope to read of the score recovery when you report back.

[Anonymous]

Yeah I wonder why it’s so high on EX?

[909]

Back2Reality, correct, this shows how going FROM AZEO TO AZ results in up to a 25 point drop. I was surprised to see it drop that much.

I'll see if they all rebound when one of my cards reports a balance.

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@Anonymous wrote:

I see All Zero, but I don't see Except One. I thought that AZEO was you had to leave a small balance on one card reporting (PIF before due date), while all others Zero. Fico scoring penalizes you for just All Zeroes. AFAIK

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[Anonymous]

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@909 wrote:

..... going to All Zero resulted in a 12 to 25 point drop with Experian dropping from 848 to 823. This was fun......

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 That's a bingo!

You win!

Still got the cushion!

Thanks for posting

[909]

And they're back!

After losing one - two dozen points for going ALL ZERO, I got all the points back by allowing $81 dollars ($81 of $177,700 available credit and $29,700 available credit on this card) to report on one card taking me back to AZEO. This is why FICO scoring is a bit ridiculous and makes people angry or frustrated. Nothing I did over the last three weeks warranted a 25 point decrease and then increase in my credit score but the hyper-sensitive FICO model reacted as if it did. A change in score would be reasonable, but a 25 point swing for a minor change in credit activity demonstrates a failure in the process.

The algorithim is kinda dumb this way and it sucks for people in a place where capricious shifts like this matter.