can I dispute an actual SCORE change? so confused...

[beautybrainsbooty]

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so I paid down my credit card from 17,795 to 17,500 and instead of my score staying the same or going up a couple points it went DOWN 6 POINTS. Nothing else reporting with it, no alerts for anything. What could cause this? And can I dispute this directly with FICO? Help???!!!!

p.s. this will be paid off in 6 months for sure, but this threw me off. Why would it go DOWN??

[Anonymous]

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@beautybrainsbooty wrote:

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so I paid down my credit card from 17,795 to 17,500 and instead of my score staying the same or going up a couple points it went DOWN 6 POINTS. Nothing else reporting with it, no alerts for anything. What could cause this? And can I dispute this directly with FICO? Help???!!!!

p.s. this will be paid off in 6 months for sure, but this threw me off. Why would it go DOWN??

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You can't dispute a FICO score.  Your score could have gone down for reasons you don't know and the alert just seemed like it was tied to your balances.  You can't drive yourself crazy over scores going up and down a few points here and there.  That happens all the time and often for reasons that you'll never know.  Over time paying down a credit card balance will raise your scores.

[NRB525]

+1

OP you should update your siggy. If your scores are still in the 800 range, you've got no worries. Scores change with small moves like this for reasons that may not be called out in the alerts.

Also, this is one noted change. How long has the balance been there? What is the trend of the balance? $17k is a lot on one card to carry a balance, and FICO is a risk measurement tool. $17k qualifies as a noticeable risk item.

[beautybrainsbooty]

I normally dont freak out over a 5 to 10 point flux, but this bothered me a bit. It is a newer balance (used for some big health expenditures for my mother whose very, very sick). Thank you for the answers and peace of mind. Paying down is a major priority.

I will update my scores asap!! So proud

[Anonymous]

As JP Morgan would say, the scores will fluctuate.