@MrBenchMark wrote:
Hmmmmm, not sure what else I need to write for it to makew more sense.
My question had to do with basically why FICO recognize a balance decrease of a little less than $1,500 and as a result my FICO score increases 26 points, but I pay a credit card statement balance off on a monthly basis of $4,000-5,000 and NOTHING is ever mentioned or noticed, like it never happened. Like I wrote in the initial post about how it reminded me how I had paid my car off with a one time payment of $6,000 and thought that would be noticed and as a result my score would increase and neither happened; nothing was noticed and my score didn't increase.
Okay, I'll try to explain it a bit if I can.
30% of your FICO score is determined by reported utilization.(UTI) Your UTI is the percentage of your credit that you use. The way that you determine your utilization percentage is by adding up all your credit cards' reported balances and dividing them by the total of all your credit cards' credit lines.
As an example:
You have 5 credit cards and each card has a credit line of $1000. So the total of all your credit lines is $5000.
You have a total of $1000 in reported balances across all the cards.
So you take the $1000 in total balances and divide them by $5000 in credit lines and that equals 20% utilization. (UTI)
FICO will start to nick your score if your UTI is above 10%. The more your UTI climbs above 10% the worse the nicks become and it is not a straight line. When you go over 30% it becomes really noticeable. Over 50% another big hit and it gets worse the closer you get to 100%.
But you say that you pay in full every month?
You are paying too late and not enough to keep the balances that are reported to the credit reporting agencies at a low UTI. If the balances that show up on your statements show that your UTI is above 10% it is hurting your scores. Yes, I know, I know! To maintain high scores you need to have credit but not show that you use very much of it! I know, it's pretty ridiculous but that's how it works.
There are 2 ways to fix this problem:
1.Pay your balances down at least 3 days before the statement due date. Now I don't mean the "statement" balance but the ACTUAL balance that you will find when you go online and check the account's current balance at least 3 days before the due date. You don't have to pay them to $0 and you really shouldn't. (That's another story in itself.) but you should pay them to below 9% of their respective credit lines.
2.Get more credit to increase the size of your credit lines so when you do your normal spend each month you only use less than 10% of the total of your credit lines.
I hope I guessed right. I was guessing that you were allowing large balances to show up on your statements each month and then paying them in full. Amirite?
About the auto loan...
It is beneficial to have an open installment loan on your credit reports. When you pay off the last installment loan on your reports your scores will drop! Yes, you heard me right! Your scores will drop after your last installment loan is paid off. Okay, I'm guessing again! You have a mortgage or another auto loan on your reports? That's why your scores didn't drop!
You gain points for having an open installment loan on your reports and with your scores (I'm guessing again!) I bet you have a mortgage that is at least 10 years old and more like 20 years old?
Well?
How wrong was I?
Starting Score: EQ 653 6/21/12
Current Score: EQ 817 3/10/20 - EX 820 3/13/20 - TU 825 3/03/20
Great Job to answer your question more information is needed. As your post did not make sense. I agree with you a 26 point increase seems steep based on numbers given. Continue to do great! 
EQ 817, EX 815, TU 813 (Updated 1/5/18: TU 843