SW won't alert you to dropped balances. So assuming there were no credit changes or balance increases, then you wouldn't get a credit alert. However, your EQ FICO is monitored for changes every 7-10 days. Assuming your score changed and surpassed your target score as found in settings, then you'll get a score alert alerting to the new EQ FICO. Not every paydown will result in a FICO increase though. Paying down from 10% overall util to 5% might increase your EQ FICO. Hard telling. If util is listed as a top negative, then I would think there's a good chance.