OK everything reported at zero.
But I don't like this experiment.
My EX FICO 8 dropped a sickening 13 points.
At least this confirms: (1) all revolvers at zero is b.a.d.
(2) simulator does not take this into account
I don't think I'm going to stick around to experiment further with TU & EQ. I've seen enough. My EX score is the least volatile of my scores.
Totally respect that - quick, buy something!!
@Anonymous wrote:
Totally respect that - quick, buy something!!
ROFLMAO
@SouthJamaica wrote:OK everything reported at zero.
But I don't like this experiment.
My EX FICO 8 dropped a sickening 13 points.
At least this confirms: (1) all revolvers at zero is b.a.d.
(2) simulator does not take this into account
I don't think I'm going to stick around to experiment further with TU & EQ. I've seen enough. My EX score is the least volatile of my scores.
TU dropped 9 points.
This is no fun at all. I'm here to build my scores, not crush them.
@Anonymous wrote:
Totally respect that - quick, buy something!!
Purchases take too long to post.
Then I had a brainstorm -- I took a $25 cash advance from an account that's got tomorrow as its statement date.
That should take me ouf of zero balance hell 
I'll try never to anger the banking gods again.
@Anonymous wrote:
@SouthJamaica wrote:
This is no fun at all. I'm here to build my scores, not crush them.
Not for nothing, SJ, but didn't you more or less know that this was going to happen based on previous member data? Were you expecting a different result for some reason?
Knowing it would happen, and being man enough to take the pain when it does happen, are two completely different attributes, one I have, and one I apparently don't have.
I guess I didn't understand the purpose of being man enough to take the pain, I suppose. Like if you know that the last 30 people that have jumped in front of busses have resulted in fatalities, I wouldn't say it's being man enough to tempt fate and try the same thing when the odds are heavily stacked against you. But, that's just me 
Had you said this experiment was to see if you could take the pain of losing the points I may have understood that angle, but from what I gathered from your original post you were questioning whether or not you'd lose the points in the first place (will I really die if i jump in front of this bus?) which had me a bit confused from the start.
@Anonymous wrote:I guess I didn't understand the purpose of being man enough to take the pain, I suppose. Like if you know that the last 30 people that have jumped in front of busses have resulted in fatalities, I wouldn't say it's being man enough to tempt fate and try the same thing when the odds are heavily stacked against you. But, that's just me
Had you said this experiment was to see if you could take the pain of losing the points I may have understood that angle, but from what I gathered from your original post you were questioning whether or not you'd lose the points in the first place (will I really die if i jump in front of this bus?) which had me a bit confused from the start.
I fully expected that when all revolving accounts hit zero I would lose points, based on other people's experiences.
But when by happenstance I realized that I was within a week of actually achieving that for my own portfolio, which is rare, I decided to try it and see what happens, and also to see what the simulator predicted.
Well what happened was I lost 13 points in EX and 9 points in TU, despite the simulator's prediction of a small point gain.