???Why 14 Point Score Decrease???

[RobertK]

Experian alert - score down 14 points!

3 Changes since last report - ALL positive (CLI on a card increased; Utilization decreased from 3% to 0%)

Only explanation i can think of is my 3 accounts now all show $0 balance

Could that be it?

Thank you

[RSX]

yes

next month have one of them report $10-20

[RobertK]

i have one card that has yet to report for the month of February (it reports end of month)

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planning on leaving a balance on that

so that should get me the 14 points back?

interesting how these scores are just a snapshot in time and fluctuate so frequently

thanks again!

[RSX]

yes - i think you will get them all back - i have usually seen on here that the All Zero penalty is 10-15 points

i dont understand this one anymore than i understand paying off your last loan dropping your score...

but this is the credit game....

[RobertK]

kind thank yous once again RSX for the response!

helping me to advance my understanding of the rules of the game 

[SouthJamaica]

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@RobertK wrote:

Experian alert - score down 14 points!

3 Changes since last report - ALL positive (CLI on a card increased; Utilization decreased from 3% to 0%)

Only explanation i can think of is my 3 accounts now all show $0 balance

Could that be it?

Thank you

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Sounds like it. Welcome to the All-Zero penalty

[SouthJamaica]

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@RobertK wrote:

i have one card that has yet to report for the month of February (it reports end of month)

---

planning on leaving a balance on that

so that should get me the 14 points back?

interesting how these scores are just a snapshot in time and fluctuate so frequently

thanks again!

---

Yes so long as it's a small balance.

[RobertK]

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@SouthJamaica wrote:

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@RobertK wrote:

i have one card that has yet to report for the month of February (it reports end of month)

---

planning on leaving a balance on that

so that should get me the 14 points back?

interesting how these scores are just a snapshot in time and fluctuate so frequently

thanks again!

---

Yes so long as it's a small balance.

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Thank you for the response!