Score drop for making payment on time with Experian

[Anonymous]

Just trying to keep improving my score and this happened, which is so confusing to me.

On 06/15/2016 I got an alert that my score from Experian had increased 15 points, the reason listed ws that my capital one balance increased by $5. Balance from $568 to $573.

I was confused, but okay with it.

Today, I got an alert that my score from Experian had dropped 11 points. The reason was because my capital one balance decreased by $77 from a balance of $326 to a balance of $249. Utilization changed from 11% to 8%. I don't understand. The utilization is low and I decreased my balance. Does anyone have any ideas?

[Anonymous]

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@Anonymous wrote:

Just trying to keep improving my score and this happened, which is so confusing to me.

On 06/15/2016 I got an alert that my score from Experian had increased 15 points, the reason listed ws that my capital one balance increased by $5. Balance from $568 to $573.

I was confused, but okay with it.

Today, I got an alert that my score from Experian had dropped 11 points. The reason was because my capital one balance decreased by $77 from a balance of $326 to a balance of $249. Utilization changed from 11% to 8%. I don't understand. The utilization is low and I decreased my balance. Does anyone have any ideas?

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Do you now have two cards reporting a balance? You really only want one card with a 1-9 percent balance used with one card and the other cards reporting at zero

[Anonymous]

Has anything else changes?  Like an increase in Inquiries or somethings else.

[RonM21]

This does not seem very normal, but it depends on what your situation is.

[Anonymous]

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@Anonymous wrote:

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Do you now have two cards reporting a balance? You really only want one card with a 1-9 percent balance used with one card and the other cards reporting at zero

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I do have two showing a balance. One has a utilization of 8%, the other is a utilization of 9%. I thought as long as my total utilization was low for all cards it wouldn't negatively impact me. I will pay off one and make sure the other is at less than 9%.

[Anonymous]

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@Anonymous wrote:

Has anything else changes?  Like an increase in Inquiries or somethings else.

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No increase in inquiries. Only thing that recently happens was an upped credit limit on a 0 balance card, but I don't see that it's hit my report yet, as it happened in the past few days. The only other thing I can think of was I removed myself as an authorized user from my boyfriend's Discover card because there was a small balance on it and the card was only a few months new, so I thought that the newness of the card would be hurting me more than the extra available credit. It didn't mention that though, so I didn't know if that could be it?

[Anonymous]

You have 2 cards with a balance and 1 with no balance. Any other cards? If not then you're getting dinged for having more than half of your cards reporting a balance.

[RCOH]

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@Anonymous wrote:

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@Anonymous wrote:

Has anything else changes?  Like an increase in Inquiries or somethings else.

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No increase in inquiries. Only thing that recently happens was an upped credit limit on a 0 balance card, but I don't see that it's hit my report yet, as it happened in the past few days. The only other thing I can think of was I removed myself as an authorized user from my boyfriend's Discover card because there was a small balance on it and the card was only a few months new, so I thought that the newness of the card would be hurting me more than the extra available credit. It didn't mention that though, so I didn't know if that could be it?

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My guess is it was the removal of the AU account.

In my repairing journey thus far I did the same thing, had an AU account removed from two reports. I though since it was a charge off it would increase my score but they both dropped several point after the removal. My assumption was that the charge off would look bad on a manual review of my reports (it probably would). What I didn't realize was it also helped a little. The on time payments of the AU account are also part of your score.?.

This is only an assumption but I did see a drop after removing an AU account as well.

If someone else knows different I'm sure they will say something. 

EDIT: Just read what rmduhon27 wrote. That could be it. I must have overlooked their response.

[Anonymous]

Since we are in the rebuilding stage, I think we mess up by concentrating too much on the number and the day to day fluctuations. Just keep making your payments on time and keep your balances low. Add CLIs and cards when the time is right. Your scores will climb in time and then you can work on maximizing the number. See bottom sig line below.  

[Anonymous]

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@Anonymous wrote:
You have 2 cards with a balance and 1 with no balance. Any other cards? If not then you're getting dinged for having more than half of your cards reporting a balance.

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Yes, I also have an Amazon card, Barclay, and one other capital one, but they never post with a balance as i pay them off at the end of each month.