This isn't the exact same situation, but I had something similar happen to me with Credit Karma's FACO TU score. It showed that if I went from 97% utilization to 4% utlization, my score would drop from 718 to 650. Sure enough, when the report updated on Friday, my score dropped to 650. I purchased my score here to make sure that hadn't really happened. On this site my TU score went from 690 to 751. I'm going to assume TU04 reacted teh same way.