TU dropped 7

[Anonymous]

I can't figure this one out.

my TU score was 627.  My last credit card payment posted (payed off 0 bal.) and my 60/90 lates dropped off of my student loan from goodwill but my score went down 7 pts. huh? I was hoping to get a nice boost. Never thought it would drop.

no new inq. or accounts dropping off

maybe I changed buckets?

[tray]

Hi, I had a simuliar situation happen to me with my EQ report last month score at 695 dropped 7 points to 688 the only thing that changed I payed all the accounts to a $0 balance except for 1 ($14.00 balance)  Sometimes when you do not have enough accounts reporting a small balance a score drop may occur.

[marty56]

For me, TU likes 0% reported but I in the major derog score group.  Chare a small amount on 1 CC and let it report a balance but PIF before the due date.  $1 is just as good as a full 9% of your CL so dont worry about the amount.

I will assume you are talking FICO scores.

[BungalowMo]

It's possible you both changed buckets.  I'm not sure if a score range is what makes the change, or maybe report info?  Such as the 0 balances.  I could tell I swapped to a new bucket when my only collection acct was dropped. In the same week I had an old CO drop too, so those type of factors make a difference too.