I had a score of 550 when my CC balances were maintained high and I was making minimum payments, recently I have been paying off the cards or paying down one of the cards on a frequent basis. Today my score dropped bc, my balance on one CC increased by 3592. Trouble is that I pay this off monthly. When they report the balances to the credit companies, do they include payment history, or do they  simply give a balance on that day that it was high? Its frustrating, because I have worked diligently to pay this down and it seems that the one day they report on this card, my balance is high, therefore giving the impression that I have not been paying on it, when in fact I have been. Any info on this? any way to fix it?