Ooops I think I paid off too much. UPDATED

[Hex]

I think you need to have $770 report on a card with at least a $10K limit to optimize you score to the greatest extent possible.

[Hex]

FIICO doesn’t round up for me.

[Hex]

I double checked my old reports and when I reported a small balance it did say I had 1% total utilization however I did lose lose points on each CB and the same exact number of points were regained when I let a second card report enough to bring me up to a true 1% balance. This has happened to me twice.

[Thomas_Thumb]

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@FiveOhFour wrote:
Is having 0% utilization bad for your score ? I didn’t think having All $0 for one month would hurt it, just maybe not raise my score back to where it was when I had a lower util. But dropping 18 points to 780 when it was already lower than the 810 high for my TU FICO is not what I was expecting :/

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Yes, having all accounts report $0 balance will hurt score due to: "No recent activity on revolving accounts". How much? - 15 to 20 points for typical profiles.