All cards at zero: –32, –37 points

[HeavenOhio]

These are the more unusual scores.

Transunion 04 (FICO 4) Auto: 794 / 798 / 809

There's nothing really weird here except that the apparent aging gain offset the AZ loss. The only reason code changes were on the AZ report.

Equifax 04 (FICO 5) Bankcard: 819 / 813 / 817

My points didn't return here. My guess is that this score is affected by the difference in the amount owed ($400 vs. $200).

March 18 Reason Codes:

• You have no recent activity from a non-mortgage installment loan.
• The amount owed on your revolving and/or open-ended accounts is too high.

April 12 Reason Codes:

• You have no recent activity from a non-mortgage installment loan.
• The balances on your non-mortgage credit accounts are too high.
• The amount owed on your revolving and/or open-ended accounts is too high.

Experian 04 (FICO 3) Bankcard: 813 / 817 / 813

This one is weird because the score improved at AZ. There are no reason codes because the scores are too high.

[Anonymous]

@HO Nice work. Definitely enlightening!

[HeavenOhio]

I think the enlightening thing is that I may have been dinged (on one score) for the dollar amount of my balance. We've speculated about that concept in the past. But this is the closest I've seen to something tangible that supports that concept.

[Anonymous]

I’ve seen several examples where dollar amount seems to come into play and I’ve read much speculation about it. I definitely think there’s something to it, although I don’t know exactly how it works and or factors in. Got to do a lot more reading or be enlightened by you more experienced members. Or if none of us know, back to the drawing board: test test test.

And I did catch that earlier when you said you’re one of the people that has been dinged by the amount.

[Anonymous]

HO, really weird about that EX BC3 (04). It was the only one that had different point spreads depending on AZEO card for me. 5 on an AU retail and 19 on a Carecredit retail. But for you to get a gain at AZ is really wild. I'd love to hear speculation on that one!

[HeavenOhio]

The logical guess based on only this one data point would be that EX BC3 (04) enjoys AZ, just like my VantageScores enjoyed it. But that's counterintuitive and goes against all general wisdom. Birdman, what happened to your EX BC3 (04) when you were at AZ?

The score I'm going to test next is EQ BC5 (04). That's the one that didn't fully rebound from AZ. I'll to a "true" AZEO (with a tiny balance) this time around.

[Anonymous]

789 @AZEO with retail card

784 @AZ

803 @AZEO with Carecredit!!!!!

The only score to react differently depending on AZEO card! EX BCE3 IS A WEIRD DUCK.

[Anonymous]

I paid off all of my revolving credit cards in March of this year and saw my score shoot up 22 points to 812 on 4/1 (6 days ago).  Yesterday, I got a notification from Experian that my credit score dropped back down 25 points to 787.  That's the same type of drop (27 points) I received some years ago when I charged up one of my credit cards.  This time I did nothing but pay off all of my balances and experienced almost as significant of a drop.  I also have 1 auto loan and 2 personal loans so my portfolio is not just revolving.  My AAoA is 3.3 years.

[Anonymous]

Welcome to the forum @Anonymous

You probably should’ve started a new thread for this but what you’re probably experiencing is the “no revolving balance” penalty because when all your revolvers are at zero you’re penalized. Put a couple dollars on one revolver and have it report and your points should return.

Do you have an Experian account? If so go and see if no revolving balance is a negative scoring factor. If it’s not tell me what your negative scoring factors are. If not, where do you get your credit report data?

But you’ve given us very little detail about your profile so you could have many other things going on, utilization changes, number of accounts with a balance changes, you could have old accounts falling off.

There’s just a plethora of things that could be going on and there’s no way for me to know without knowing more details about your profile and what’s going on with it.

But my hunch is the no revolving balance penalty. Go check your negative reason codes and if No revolving balance is there that tells the story, end of story. If not we can decide if you want to dig deeper and go down the rabbit hole.

[Jnbmom]

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@Anonymous wrote:

Welcome to the forum @Anonymous

You probably should’ve started a new thread for this but what you’re probably experiencing is the “no revolving balance” penalty because when all your revolvers are at zero you’re penalized. Put a couple dollars on one revolver and have it report and your points should return.

Do you have an Experian account? If so go and see if no revolving balance is a negative scoring factor. If it’s not tell me what your negative scoring factors are. If not, where do you get your credit report data?

But you’ve given us very little detail about your profile so you could have many other things going on, utilization changes, number of accounts with a balance changes, you could have old accounts falling off.

There’s just a plethora of things that could be going on and there’s no way for me to know without knowing more details about your profile and what’s going on with it.

But my hunch is the no revolving balance penalty. Go check your negative reason codes and if No revolving balance is there that tells the story, end of story. If not we can decide if you want to dig deeper and go down the rabbit hole.

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@Anonymous 

They did start a thread already regarding this issue.