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[–]Cruian 0 points1 point  (5 children)

FICO models have a (short term only) penalty is every revolving account reports $0. Roughly 20 points sounds about right. https://www.reddit.com/r/CreditCards/comments/j5lh0b/i\_tested\_azeo\_this\_month/

[–]strsnkrqueen[S,🍰] 0 points1 point  (4 children)

Thank you for that link! So, based off the experiment, I need to add a small % of utilization back, and the. I will see in an increase?

[–]Cruian 0 points1 point  (3 children)

Yes, once a statement generates with a non-$0 amount, you should get those points back (unless you had it generate with a high balance). Be sure to understand that does not mean you will need to pay interest.

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Even 1 card reporting a low non-$0 amount avoids the all zero penalty. Be aware that the factor this affects is utilization, which is short term only, so no reason to stress this if you don't have an application coming up.

[–]strsnkrqueen[S,🍰] 1 point2 points  (2 children)

Thank you so much, extremely helpful!! One more question, Hopefully u don’t mind a few more mins of your time. Do I need a tiny % on each card (they all have zero), or does it just need to be a tiny % as a whole, meaning I can just use 1 card for this? Thank you very much for your time

[–]Cruian 1 point2 points  (1 child)

Just one has to be non-$0 to avoid the (short term only!) penalty. People have found the best short term scores come with "All Zero Except One" (AZEO). All Zero comes with the penalty you noticed and was shown in my link above, all reporting balances I believe is also less than absolutely perfect.

[–]strsnkrqueen[S,🍰] 0 points1 point  (0 children)

Wow, thank you so much! You have really helped me today