Understanding FICO® Scoring

[Freakshow77]

Help me understand. My score was a 621 and it dropped to 614 today. The alert said there was no changes to my CR, but may be due to a balance limit increase.
However there was no increase I am very carefull now to pay off my 2 credit cards every month before the statement. If anything my debt is less so why the sudden drop with no changes on my report?

[tcbofade]

My immediate thought is that something DID change.

Did you have a balance on one of your cards last time you pulled your score?

If you did, and you've since paid the debt to ZERO, that will actually LOWER your FICO score...

[llecs]

OP, how did you find out about the CL increase? Did you get the score from the same service as the one that provided the alert to the CLI?

[Freakshow77]

I got the alert from score watch but like I said there was no balance increase. Everything is paid in full every month. But I also found out my credit councilor was disputing a few things on my report like being improperly coded items. So I'm guessing that's why the drop. Aperantly it hurt me more then it helped.

[llecs]

SW doesn't alert you to CLIs. That's why I asked. Disputing accounts can lower your FICO in some scenarios.

[Freakshow77]

Yup. I see that now. Ty llecs