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I reduced by BoA CC balance from by $2000, from $6000 to $4000 and my FICO score dropped 7 points.This is not logical.No other change occurred during this period. All of my accounts having balances decreasing each month and this is hte first time that my FICO score took a hit. Mostly it just goes up.
What are your scores currently? Source of scores?
Which cards do you have, what are their limits, and open balances? Utilization?
Which score showed the change? EX?
There is something in your file or your history or recent changes, or just that it's EX, which can be reviewed to see why the score likely changed.