DHs cards at 0%, score drop

[radfam]

DH and I both actively monitor with 3b+ and try to stay at AZEO. His balance card reported at $0 last month, effectively dropping his score 33pts (+- 2 pts depending on the bureau). This month it reported again at 7% utilization. He got +3 pts on EX and nothing on EQ and TU. The only change was adding a new Disco TL and aging his report 1 month. I guess I’m venting more than anything but that score drop for no usage and then gaining a measly three points back seems a bit skewed. I thought “Fico doesn’t remember month to month” (like when you are paying down/off high balances). His scores are now in the 630 range with the drop.

[Anonymous]

Something else dropped his scores, check his reports closely, the notifications often have nothing to do with the actual cause of a score change. 

[Anonymous]

His before and after reports are not the same, otherwise his scores would be the same.

If event X drops a score Y points, exactly reversing even X will cause that same score to gain Y points.

At least one other variable, Z, was introduced into the equation here with the introduction of a new account.  With a new account comes an inquiry, an AoYA drop and an AAoA drop.  If Z was the only credit report change above when comparing the before and after reports, however many of Y points didn't return from the reversal of event X was because of variable Z.