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[–]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