I will agree with much of what has already been said, and add that while score changes due to utilization are muted on dirty profiles like mine when compared to clean profiles, the EX AZ penalty is still 22pts. It's what I've experience for brief period of AZ when changing what card reports for AZEO. That being said, I doubt I'll ever do AZEO again until I'm in a situation where I can get a mortgage and need to maximize points. Since goign to AZE2 (2/5 cards reporting) I've had no significant changes and now that I have 6 cards I may end up 3/6 ocasionally. It's just not worth the effort and is so much easier to let balances report naturally (at least for the cards I use regulalry).
Update.
Today a balance reported in the account, and EX FICO 8 increased by -- you guessed it -- the same 22 points.
So the all zero penalty for this profile is 22 points.
Sounds like you are talking about Zoostation1 
Bad debt slave, you can't just go around not owing banks money!🤪
@FicoMike0 wrote:To me, it's strange that fico has gotten by this long using the " snapshot" approach to utilization. It was pointed out on another thread that the historic data is already available on the reports.
FICO has lots of products, some of which do look at utilization trends. It takes time for lenders to move to more moden scoring models because they have a long established history with the older models to define risk. Look how old the mortgage models are compared to the 8 models. Moving to the 10+ models represent additional risk for them.
