Well explain the 16 pt drop after going from 8% to 7%? And other factors?

[AzCreditGuy]

So if I am understanding this correctly since I had the AU cards all at zero, they have disappeared from reports for a short moment and have no impact. 

This is the first time in a long time, I have seen all my scores the same for the big 3. I expect this to change as they will start showing balances again and I am taking care of some TU inq issues. But its nice to see them all equal. 

[Anonymous]

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@AzCreditGuy wrote:

So if I am understanding this correctly since I had the AU cards all at zero, they have disappeared from reports for a short moment and have no impact. 

When all AU cards are at zero, do the ages change dramatically on a report from myFICO or Experian?

I thought they would just show the same (intramonth reports) or an additional month, and the scoring module drops them internally, which lowers AAoA (or AAoRA) for scoring purposes.

[AzCreditGuy]

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@Anonymous wrote:

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@AzCreditGuy wrote:

So if I am understanding this correctly since I had the AU cards all at zero, they have disappeared from reports for a short moment and have no impact. 

When all AU cards are at zero, do the ages change dramatically on a report from myFICO or Experian?

I thought they would just show the same (intramonth reports) or an additional month, and the scoring module drops them internally, which lowers AAoA (or AAoRA) for scoring purposes.

Below is from Experian....Seems I still have AU age factored in report?

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[Anonymous]

@Anonymous The ages don't change in Experian, it has one place that shows with authorized user accounts and another place that shows ages without.

[Anonymous]

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@Anonymous wrote:

@Anonymous The ages don't change in Experian, it has one place that shows with authorized user accounts and another place that shows ages without.

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Oh thanks...that explains a lot now. I didn't know that.

[Anonymous]

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@AzCreditGuy wrote:

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Below is from Experian....Seems I still have AU age factored in report?

Going by that snapshot, it looks like I'm going to have to wait 2yrs 3mo until AoOA is 5yrs 0mo for Credit History Length to change from FAIR to GOOD.

I saw it change from POOR to FAIR at AoOA 2yr 6mo.

[Anonymous]

Yep, i had the AZ AU ding in August when I accidentally let all accounts report as zero. You can see in my signature only TU and EX were impacted. I'm hoping to bounce back later this month.

[AzCreditGuy]

So the main cardholder who I am under the AU just had a 22 pt drop on Fico 9. Ive always been one to say if your at 800, anything over that is fluff. Im having second thoughts 823 seems better than 801....

I find the factors interesting though?

• Lack of recent installment loan information (Personal loan paid off 2019)
• No recent revolving balances ( The issue that started the thread)
• Length of time accounts have been established ( oldest account 17 years, youngest account 10 years)

[AzCreditGuy]

Well the AU CC posted a balance of $66 and 13pts were gained back from the 16 pt loss from the AU CC $0 balance a couple of weeks ago

[bourgogne]

well this is insane to find this little tidbit here...I just had this happen on a kids account that I have (3) AU cards on.  I have not read the back story here on this but great, I know how to fix it - get a bal on the card that reported $ 0 but is this artificial, meaning if I closed all the AU accounts would his scores also go back up?  crazy but glad I found the cause it really had me going.  thx

EDIT: just hit the post below talking about aaoa - I don't have the time or interest to aaoa his account to answer the remove question so i will just get a bal back reporting on the card.   thx