Established Contributor
Posts: 754
Registered: ‎11-20-2012
Re: Why did my score go down?!!!

It's not impossible that the payment could have been part of the drop, but I'm also inclined to think that if all your credit card balances were at zero that might be a factor too. For optimum scoring, you'll want to have a small balance on one. So two cards that report at zero, and one that reports with less than 9%. For whatever reason, there's a score ding when all cards are at zero. Even $10 is better than zero.

Don't lose hope. This could be a fixable drop.