Another cards reporting with balance data point

[Anonymous]

I've noticed a lot of posts regarding the effect of having multiple cards reporting with a balance.

When my Amazon card reported a $18 balance to push me to 6/10, I saw a point drop of the following:

EX = -10
EQ/TU = 0

EQ did dock me 4 pts when a new card reported with a balance. But that could have been because of a new account being added.

Today, Chase reported a $0 balance for me to bring me down to 5/11 (added another card last week too). And today I logged in to see a +11 EXP score.

My utilization was already well under 10% and one card is at 32%, so the $0 balance didn't significantly change anything besides # of cards reporting.

In the next few days, I have 2 other cards that will report $0 bal (depending on how dirt slow Cap 1 is this month), and I'll report back what I see.

[RonM21]

Thanks for posting your data

[Anonymous]

Small update, so TU is now showing 5/11 with balance, and no score increase. EQ is just being slow this month. EDIT: EQ reported as well, no change in score.

Because all my Capital One statement dates just changed, none of those cards will report for another month. So by the 25th, I should have 3 more cards go down to zero, which I believe will trigger something with TU & EQ. IIRC, they both dropped when I hit 3 or 4 cards with a balance.