Why is my score dropping with each payment?

[Anonymous]

For the last two-three months, my score has been dropping 2-7 points WHEN a payment is made.  The "Alert" specifically says that my balance has decreased, but then it also lowers my score.  Can you tell me why, please?  I cannot increase my score if being punished for payments.  Thanks!

[RobertEG]

Is the account in a delinquency status?

[Anonymous]

Your score isn't dropping due to the payments. The balance change is just the trigger for the alert, not the reason for the drop. In order to beigin figuring it out, we'd need a lot more details about your file.

[Anonymous]

Oh, thank you.  I assumed that the Alert and the score change were connected.

That helps a lot to both of you who responded.

Have a great holiday weekend!

[Anonymous]

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@Anonymous wrote:

Oh, thank you.  I assumed that the Alert and the score change were connected.

That helps a lot to both of you who responded.

Have a great holiday weekend!

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Lots of people assume that since MyFico makes it seem that way.

[Anonymous]

Thanks for saying so.  I feel significantly less stupid!   ;-)

[SouthJamaica]

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@Anonymous wrote:

Your score isn't dropping due to the payments. The balance change is just the trigger for the alert, not the reason for the drop. In order to beigin figuring it out, we'd need a lot more details about your file.

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Agreed

[RonM21]

Now that you aware of that, do you know what else can actually be dropping your score?

[Anonymous]

Yes, I think so.  But I thought those other events were only lowering me when I received Alerts to that effect.  I understand now, thanks!