@Anonymous wrote:
Ok. Wait. I reported that incorrectly. It was an increase of 15 points! But all the same, the only change was the decrease in my car loan balance. Maybe my debt to income reached a new bracket? Just seems strange to me.
DTI is not a Fico score variant its not used.
I was just reading this on the myFico site and how things are counted into a score:
How much of the installment loan amounts is still owed, compared with the original loan amount
For example, if you borrowed $10,000 to buy a car and you have paid back $2,000, you still owe (with interest) more than 80% of the original loan. Paying down installment loans is a good sign that you're able and willing to manage and repay debt.
I borrowed just under 14,000 but with my last payment that put the debt owed at under 50%. Maybe that is the reason for the score boost? 
It was my understanding that points aren't accumulated very easily. Still trying to understand things.
@Anonymous wrote:I was just reading this on the myFico site and how things are counted into a score:
How much of the installment loan amounts is still owed, compared with the original loan amount
For example, if you borrowed $10,000 to buy a car and you have paid back $2,000, you still owe (with interest) more than 80% of the original loan. Paying down installment loans is a good sign that you're able and willing to manage and repay debt.
I borrowed just under 14,000 but with my last payment that put the debt owed at under 50%. Maybe that is the reason for the score boost?
It was my understanding that points aren't accumulated very easily. Still trying to understand things.
Always possible, could also be increased AAoA, no way to know for sure if your report looks the same with the exception of what you say has changed,.