https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Decrease-in-score/m-p/3491685#M368664 I had a past due credit card. I paid the balance in full and it caused a decrease in my experian report. It's three points but I need all the points I can get. Someone explain this to me. Thanks Thu, 02 Oct 2014 13:34:08 GMT vmoore0607 2014-10-02T13:34:08Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Decrease-in-score/m-p/3491685#M368664 I had a past due credit card. I paid the balance in full and it caused a decrease in my experian report. It's three points but I need all the points I can get. Someone explain this to me. Thanks Thu, 02 Oct 2014 13:34:08 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Decrease-in-score/m-p/3491685#M368664 vmoore0607 2014-10-02T13:34:08Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Decrease-in-score/m-p/3491715#M368667 <P>Was this account in collections? If so, I believe it's due to the change in the recent date of activity. Did you request a PFD (Pay for Delete)?&nbsp;</P> Thu, 02 Oct 2014 13:43:45 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Decrease-in-score/m-p/3491715#M368667 vertekal 2014-10-02T13:43:45Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Decrease-in-score/m-p/3491839#M368680 No. It was a JC Penney card that I had. I fell behind on payments. I paid it off so it wouldn't go into collections Thu, 02 Oct 2014 14:25:40 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Decrease-in-score/m-p/3491839#M368680 vmoore0607 2014-10-02T14:25:40Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Decrease-in-score/m-p/3491935#M368695 <P>If you paid it to a zero balance that is why. Ideally you use between 1-9% of the availabe credit balance.&nbsp;</P> Thu, 02 Oct 2014 15:01:04 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Decrease-in-score/m-p/3491935#M368695 Anonymous 2014-10-02T15:01:04Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Decrease-in-score/m-p/3497483#M369143 <P>I did pay it to a zero balance and the card is closed. Thanks</P> Sat, 04 Oct 2014 01:01:43 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Decrease-in-score/m-p/3497483#M369143 vmoore0607 2014-10-04T01:01:43Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Decrease-in-score/m-p/3497795#M369150 Send GW to creditor. Lates hurting your scores. Sat, 04 Oct 2014 02:31:38 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Decrease-in-score/m-p/3497795#M369150 Anonymous 2014-10-04T02:31:38Z