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.
Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 52 minutes Next Level in6 days, 3 hours, and 8 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 52 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 52 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 109 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
Level4 Last INQFriday, April 12, 2024 Gardening For4 months, 26 days, 20 hours, and 52 minutes Next Level in4 days, 3 hours, and 8 minutes on September 12th INQ 1yr onSaturday, April 12, 2025 INQ 1yr in7 months, 4 days, 3 hours, and 8 minutes INQ 2yr onSunday, April 12, 2026 INQ 2yr in1 year, 7 months, 4 days, 3 hours, and 8 minutes Goal12 months Goal DateSaturday, April 12, 2025 Goal In7 months, 4 days, 3 hours, and 8 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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  • 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.
Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 52 minutes Next Level in6 days, 3 hours, and 8 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 52 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 52 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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