All cards 0

[recoveringfrombk7]

Was rotating my AZEO card this month and had a brief window where all cards were 0.  I thought maybe the AU card on my husband's CO card $5/$9500 might carry me through, but no.  Not a big deal, but thought I'd share the score changes, given my profile.

FICO 8

Experian 704 -> 686

Equifax 715 -> 707

Transunion 680 -> 678

[Revelate]

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@recoveringfrombk7 wrote:

Was rotating my AZEO card this month and had a brief window where all cards were 0.  I thought maybe the AU card on my husband's CO card $5/$9500 might carry me through, but no.  Not a big deal, but thought I'd share the score changes, given my profile.

FICO 8

Experian 704 -> 686

Equifax 715 -> 707

Transunion 680 -> 678

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We've seen some cases where an AU card non-zero prevents partial penalty but not full one.

I'm curious if you had it AZ including the AU if you wound up with the same magnitude shift... sort of had to update the way to check whether the AU was counting or not after those reports.

[Remedios]

That was the case for me in the past, if AU happened to be the only one reporting, -10(ish)

If true AZ, 25ish

I also went looking through old stuff, and I couldn't see a single instance where AU reporting increased the score,(in addition to my cards) so I'm still dwelling on data from those who had totally opposite experience. 

I should stop dwelling on it because I cannot test it any longer. 

[Credit_Flavours]

Thanks for sharing. Been scouring on here to see what happens if I were to allow only an AU account, report. Guess I have my answer now.

[Credit_Flavours]

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@Remedios wrote:

That was the case for me in the past, if AU happened to be the only one reporting, -10(ish)

If true AZ, 25ish

I also went looking through old stuff, and I couldn't see a single instance where AU reporting increased the score,(in addition to my cards) so I'm still dwelling on data from those who had totally opposite experience. 

I should stop dwelling on it because I cannot test it any longer. 

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My own experience has been that allowing one AU account to report a balance always give me at least a 19point boost(if I can remember clearly). Taking that AU account to zero lost me the exact amount of points on all Fico8 scores(regular, auto, bankcard..). So for me, so far, given an AAoA that's less than 2years, the optimal AZEO, seems to be allowing one of my individual accounts to report a balance along with one AU account.

Was going to try using the AU account alone for the AZEO but I guess there's enough data proving that to be sub-optimal.

[kbell]

My Experian FICO is a little more dramatic when all 3 of my credit card accounts are zero.

At least 1 account with a balance:

EX Fico 8: 840

EX Fico 9: 833

EQ Bankcard 8: 849 (scale 250-900)

Zero balance on 3 of 3 accounts:

EX Fico 8: 812

EX Fico 9: 805

EQ Bankcard 8: 826 (scale 250-900)

Also, as you can see, Fico 9 scoring caused my score to drop slightly compared to Fico 8.

[Anonymous]

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@Revelate wrote:

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@recoveringfrombk7 wrote:

Was rotating my AZEO card this month and had a brief window where all cards were 0.  I thought maybe the AU card on my husband's CO card $5/$9500 might carry me through, but no.  Not a big deal, but thought I'd share the score changes, given my profile.

FICO 8

Experian 704 -> 686

Equifax 715 -> 707

Transunion 680 -> 678

---

We've seen some cases where an AU card non-zero prevents partial penalty but not full one.

I'm curious if you had it AZ including the AU if you wound up with the same magnitude shift... sort of had to update the way to check whether the AU was counting or not after those reports.

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Rev, If authorized user and primary accounts both report zero, there's a double AZ penalty typically. 

And I believe those half scores we saw may have been authorized user retail cards? Correct me if I'm wrong.

Speaking of which, @Remedios were your authorized user cards retail?

[Remedios]

No, they weren't 

[Anonymous]

I’m at a loss to figure out or explain yours Remmy. I don’t even have a theory. LOL, which is rare.