All zero penalty 22 points

[Zoostation1]

I will agree with much of what has already been said, and add that while score changes due to utilization are muted on dirty profiles like mine when compared to clean profiles, the EX AZ penalty is still 22pts.  It's what I've experience for brief period of AZ when changing what card reports for AZEO.  That being said, I doubt I'll ever do AZEO again until I'm in a situation where I can get a mortgage and need to maximize points.  Since goign to AZE2 (2/5 cards reporting) I've had no significant changes and now that I have 6 cards I may end up 3/6 ocasionally.  It's just not worth the effort and is so much easier to let balances report naturally (at least for the cards I use regulalry).

[SouthJamaica]

Update.

Today a balance reported in the account, and EX FICO 8 increased by -- you guessed it -- the same 22 points.

So the all zero penalty for this profile is 22 points.

[Thomas_Thumb]

Sounds like you are talking about Zoostation1

[SouthJamaica]

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@Thomas_Thumb wrote:

Sounds like you are talking about Zoostation1

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[markbeiser]

Bad debt slave, you can't just go around not owing banks money!🤪

[FicoMike0]

To me, it's strange that fico has gotten by this long using the " snapshot" approach to utilization. It was pointed out on another thread that the historic data is already available on the reports.

I generally allow two accounts to report nonzero. Now that I have 7 accounts, I suppose I could go aze3. it's handy from a cash flow standpoint to be able to pay after posting. 

[TheKid2]

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@FicoMike0 wrote:

To me, it's strange that fico has gotten by this long using the " snapshot" approach to utilization. It was pointed out on another thread that the historic data is already available on the reports.

FICO has lots of products, some of which do look at utilization trends. It takes time for lenders to move to more moden scoring models because they have a long established history with the older models to define risk. Look how old the mortgage models are compared to the 8 models. Moving to the 10+ models represent additional risk for them.

[Pppoolboy]

Nah the "all-zero penalty" is the same as the "installment loan payoff penalty."  It's because you are no longer able to be monitored.  When you have one or more open loans (revolving and/or installment) which you are consistently paying down each month, your (hopefully good) behavior can be monitored.  If you have no accounts consistently reporting your behavior, you are, ipso facto, riskier.  Someone else on this forum (Bucky?) pointed that out 6 or 8 months ago and he was right.

Think of it like the differences between two jail cells -- one with a camera inside it that takes a photo and displays it on a guard's screen every 5 minutes and one without any camera.  If you were a guard, would you feel more comfortable with the cell that has the camera, where the inmate's behavior is known to you on a reasonably consistent basis, or the one without the camera where the inmate's behavior is totally unknown?  Which cell would you worry more about?  If an inmate's behavior can be consistently monitored, he's less of a risk.

When you have payments being reported every month, your behavior is (at least somewhat) known.  Once you pay those loans off and nothing is reporting, your behavior is totally unknown, hence riskier, hence the score drop.

[Horseshoez]

@Pppoolboy, I'm not sure where you're getting your information, but it is highly flawed.

[SouthJamaica]

That is simply not true @Pppoolboy 

Regardless of what your reported balance is, the reports indicate what your history is, both long term and for the current reported month.