Azeo error

[FishingGuy]

I usually practice AZEO, but often alter which card I leave a small balance on.  I just recently md an error and paid the "one" account off in full

prior to another reporting a small balance.   FYI:  for those that are interested I took a 17 point hit on Experian, and a 21 point decline on TU, Equifax hasn't reported yet.   

So I knew there was a "penalty" for no balances reporting, and also know that this will turn around...... but I just thought I'd let others out there know what the difference can actually be.    I'm not applying for any new credit,  but will still make sure that I  don't make this error again.

[Jordan23ww]

Sorry this happened to you! Thankfully you didn't have any upcoming applications you were depending on a higher score for. I did this same thing last year when I was switching up my AZEO card I wanted to report a balance. The very next month I regained all the points I had lost. I'm hoping this will be your experience too! Thank you for sharing this experience with us!

[FishingGuy]

Thanks Jordan,  I have no pending applications at this time,   When I went all zero my 3 scores took hits, 17, 21 & 23 points down.....( from mid 770's to 740's & 50's )  I have a card reporting in the next day or so which I made sure there was a balance on..... hopefully the scores will adjust right back to where they previously were.

[Jordan23ww]

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@FishingGuy wrote:

Thanks Jordan,  I have no pending applications at this time,   When I went all zero my 3 scores took hits, 17, 21 & 23 points down.....( from mid 770's to 740's & 50's )  I have a card reporting in the next day or so which I made sure there was a balance on..... hopefully the scores will adjust right back to where they previously were.

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@FishingGuy  You're welcome!  I think they will adjust back! Now what I do when I want to switch up my AZEO card is for one month I let the old card and new card both report a balance. This way if the timing is off I still won't get hit with the $0 balance penalty. 

[FishingGuy]

A Quick Update,   

I let a $6 balance report..... and scores went up 17, 21 & 22 points on the three bureaus..... the difference is unbelievable to me.

[NRB525]

Thanks for the data points. 

How many cards do you have? 
What happens if you go to AZE2?