Points taken away for decreasing the amounts of one of my bankcards?

[Anonymous]

I got a notificaiton the other day stating that there was a change in my credit report.  So I logged in and noticed that I dropped 4 points for; get this:

"The balance of one of my accounts (USAA) has decreased by $49!!!  I had a balance for $102 and paid it down to $53; my utilization went from 20% - 10%.  Why in the world did they take 4 points away from me!!!!  Man you just can't win.   Experian was the one that did this. Can anyone shed some light on this???

Thanks

[CH-7-Mission-Accomplished]

It's not cause and effect.  Notification reasons not the same as FICO score change reasons. 

Also, 4 points is just noise.  Ignore it.

[Anonymous]

I understand but still to take 4 points from my Fico score just because I paid down my balance and brought down my utilization from 20% to 10% is completley wrong.  If I had a score of over 800 then yes it is no biggie...but mine is not that high so me it is a big deal for. Thanks for your input though.