During a month of billing cycle statements, the number of balances on my eight cards increased from two to eight; my EQ score decreased by a total of 50 points. I'm now on my way back up and expect them to be restored.
BUT while I was at the bottom, the FICO score estimator projected a best action (24 months) range of 0-20 points! I would be curious to hear how FICO might attempt to explain that one. 
@Anonymous-own-fico wrote:
During a month of billing cycle statements, the number of balances on my eight cards increased from two to eight; my EQ score decreased by a total of 50 points. I'm now on my way back up and expect them to be restored.
BUT while I was at the bottom, the FICO score estimator projected a best action (24 months) range of 0-20 points! I would be curious to hear how FICO might attempt to explain that one.
Hi my-own-fico,
So would I. 
-Barry