Do negative balances (util) get reported as such or simply "$0"?

[Anonymous]

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@AnonymousI just had a $299 negative balance report while attempting the AZEO method again & gained 8 points from my youngest account passing the year mark & a HP falling off.

The -$299 reported as $0 & only the $20 I let report on another card showed.

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While you may have had a -$299 balance, it didn't "report" as negative balances do not get reported.  You later stated that it reported as $0, so in terms of language I think it's important to reiterate here that negative balances don't report as negative.

8 points gained from AoYA hitting 12 months and an inquiry falling off is on the very low end.  Most report a gain in the 15-20 point range for this.

[Anonymous]

Right. I guess I should say that my negative balance was reported as $0. This has happened before. FiCO always sees them as $0. It seems to have no effect on my score, either.

As for the 8 point jump, it may be splitting the two events across 2 months. The simulator showed a bump due for this month & a bigger one for next month.

I'm feeling kinda smug about being able to predict when my score will move & then seeing it when I test for it on the simulator. 100% attributable to my lurking here at this forum while at work.

[Anonymous]

Just so you are aware, simulators are highly unreliable and in most cases should be ignored.  Never count on anything they tell you, as it often won't happen.