Only -6 points for letting $0 report on a single bankcard - the only account on my friend's 1y6m old credit file. No scorable inquiries on this file. I was kind of surprised it wasn't more. Others with thicker/older files - that were testing on purpose for the AZ hit - have reported as much as -20! E DIT: Caught myself....it's the AAoA 1y6m gain offsetting the loss! I saw it twice on my also-new-at-the-time credit file, and posted this back when it happened: "(I've seen this TU 8 +7 jump before (Link) at the same AAoA 1yr 6mo, prior to adding 2 cards. This looks like a solid TU8 aging threshold for at least new credit files.) So the AZ loss could be -13. one-card-az-jan-2023.png
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All Zero data point on a 1y6m old credit file

1 of 3
2 years ago
Sat Jan 28, 2023 8:47 pm
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level55 Last INQFriday, February 14, 2020 Gardening For4 years, 7 months, 2 days, 13 hours, and 37 minutes Next Level in27 days, 10 hours, and 23 minutes on October 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 7 months, 2 days, 13 hours, and 37 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 7 months, 2 days, 13 hours, and 37 minutes ago
Only -6 points for letting $0 report on a single bankcard - the only account on my friend's 1y6m old credit file. No scorable inquiries on this file. I was kind of surprised it wasn't more. Others with thicker/older files - that were testing on purpose for the AZ hit - have reported as much as -20! EDIT: Caught myself....it's the AAoA 1y6m gain offsetting the loss! I saw it twice on my also-new-at-the-time credit file, and posted this back when it happened: "(I've seen this TU 8 +7 jump before (Link) at the same AAoA 1yr 6mo, prior to adding 2 cards. This looks like a solid TU8 aging threshold for at least new credit files.) So the AZ loss could be -13.
one-card-az-jan-2023.png 37.65 KiB Viewed 111 times
Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
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Re: All Zero data point on a 1y6m old credit file

2 of 3
A year ago
Tue Jul 04, 2023 1:19 pm
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EvenBetterThanTheRealThing
Seasoned Rebel
Level5 Last INQFriday, April 12, 2024 Gardening For5 months, 4 days, 13 hours, and 37 minutes Next Level in25 days, 10 hours, and 23 minutes on October 12th INQ 1yr onSaturday, April 12, 2025 INQ 1yr in6 months, 26 days, 10 hours, and 23 minutes INQ 2yr onSunday, April 12, 2026 INQ 2yr in1 year, 6 months, 26 days, 10 hours, and 23 minutes Goal12 months Goal DateSaturday, April 12, 2025 Goal In6 months, 26 days, 10 hours, and 23 minutes
So I know it's an older thread, but having just experienced my first all zero penalty (only for about 10 days) and with a profile of similar age (my oldest reporting account was opened 11/8/21) I'll add my DPs. I lost:

EQ8: -14
TU8: -12
EX8: -18

That being said I don't know if my profile is affected any differently having my BK7 file date being 4 yrs older than account on my report.
EvenBetterThanTheRealThing
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Seasoned Rebel
  • Score data EQ8 688 TU8 698 EX8 692
    EQ9 711 TU9 707 EX9 717
    EQ10T 693 TU10T 704 EX10T 679
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Re: All Zero data point on a 1y6m old credit file

3 of 3
A year ago
Tue Jul 04, 2023 3:39 pm
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level55 Last INQFriday, February 14, 2020 Gardening For4 years, 7 months, 2 days, 13 hours, and 37 minutes Next Level in27 days, 10 hours, and 23 minutes on October 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 7 months, 2 days, 13 hours, and 37 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 7 months, 2 days, 13 hours, and 37 minutes ago
EvenBetterThanTheRealThing wrote: ↑Tue Jul 04, 2023 1:19 pm So I know it's an older thread, but having just experienced my first all zero penalty (only for about 10 days) and with a profile of similar age (my oldest reporting account was opened 11/8/21) I'll add my DPs. I lost: EQ8: -14 TU8: -12 EX8: -18 That being said I don't know if my profile is affected any differently having my BK7 file date being 4 yrs older than account on my report.
Thanks, @EvenBetterThanTheRealThing ! So here we have 1 more data point confirming a -12 point All Zero loss on the TransUnion FICO 8 score version, on a credit file under 2 years AoOA. My friend just got the same -12 point loss on TU 8: viewtopic.php?p=20762#p20762
Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
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