@Jordan23ww wrote:
@Jannelo wrote:So for AZEO, I switched the card I am going to use to report this go-round. It reports several days later than the one currenty being used. The current card is reporting at 1% utilization. So I've been watching my Experian report daily, waiting for the CC to update and go to 0%, just to see the difference from AZEO to all CCs reporting zero. I woke up this morning to a 20-point drop in my Experian FICO 8 score. That was a sick feeling. No other changes, just the CC updating to a 0 balance. The CC I'm going to use to report a small balance, the statement has cut, so I expect it to report in the next two to three days. So, hopefully, I get all 20 points back.
I expected a drop, but not this big a drop.
I wonder what would happen to your score if you kept all at $0 balance longterm? I wonder if each month you'd see another dip or if it would start to increase each month? I've seen some people with 800's that don't do AZEO but just pay off everything each month.
I recently just paid off my last card with a balance in April. So for the first time in years I have a $0 balance on every single card. So far TransUnion and Equifax have reported. I stayed the same on TransUnion but I did lose 7 points on Equifax (Equifax was already my lowest score to start with). I may test this out for a couple of months to see what happens.
It stays the same provided there is no new accounts, inquiries, negatives etc. It guess goes back to previous level with balance reporting or jumps few points with ageing.
@Jannelo wrote:
Second half in. Updated original post.
Nice!!! Down to an exact science. Glad you regained all of your FICOs again 
