Paid off 3k...Equifax doesn’t budge.

[Anonymous]

How exactly do I pay off 3k in debt...and two scores move up between 4-6 points. And Equifax doesn’t do anything? Does it update differently? Irony. I added $24 to a card for a total of $24/2000 and my score drops 2 points across the board.

Thanks.

[Remedios]

@Anonymous  Hi and welcome to the forums 

Scoring gains depends on whether the utilization threshold were crossed. If they were not, you would probably not see a huge scoring gain. 

Without knowing what your accounts looked like (limits and balances) before and after pay down, it's impossible to tell. 

Is there any negative info on your CR that might be suppressing your scores?  

[Remedios]

Also, did the other two CRA "budge" and how are you monitoring your scores? 

[Anonymous]

I paid off two balances. One was a Key Bank CC with a 2000 limit. The other was a closed account. Monitoring it via the Fico website. Just surprised that I paid off one revolving line and one account that was closed and Equifax didn’t move like the other two did. That’s all.

[simplegirl]

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@Anonymous wrote:
I paid off two balances. One was a Key Bank CC with a 2000 limit. The other was a closed account. Monitoring it via the Fico website. Just surprised that I paid off one revolving line and one account that was closed and Equifax didn’t move like the other two did. That’s all.

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Equifax is my lowest score and they have less collections on them. Also my other two say i have 1 thing Helping my score and Equifax says i have nothing helping my score.