17 point decrease for utilization going down to 0

[MarineVietVet]

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@Imhotrodcrazy wrote:

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@Anonymous wrote:

This makes no sense. Why would it lower 17 points?

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I feel your pain,  when I mess up and all accounts are "0",  I loose 12-18  points.  And as some believe,  I don't get all of mine back on the next reporting of only one card with <1%.  It has been 3 months and I still have not received all of my points back  on EX and TU, and nothing else has changed on the reports other than util.

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You can lose points even if you do all the right things. That's just the way it is.

My wife has a Discover card so we're able to track her TU 08 FICO. Three months ago she hit 850, two months ago it was 844 and this month it was 838.

What changed? I have no idea. We have the same 1% utilization we always carry. Obviously the scoring gods were angry about something. 

My advice is don't   over changes in your score. Expect changes.

[Imhotrodcrazy]

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@MarineVietVet wrote:

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@Imhotrodcrazy wrote:

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@Anonymous wrote:

This makes no sense. Why would it lower 17 points?

---

I feel your pain,  when I mess up and all accounts are "0",  I loose 12-18  points.  And as some believe,  I don't get all of mine back on the next reporting of only one card with <1%.  It has been 3 months and I still have not received all of my points back  on EX and TU, and nothing else has changed on the reports other than util.

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You can lose points even if you do all the right things. That's just the way it is.

My wife has a Discover card so we're able to track her TU 08 FICO. Three months ago she hit 850, two months ago it was 844 and this month it was 838.

What changed? I have no idea. We have the same 1% utilization we always carry. Obviously the scoring gods were angry about something. 

My advice is don't   over changes in your score. Expect changes.

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Did your DW sneeze on that day and anger the fico gods? 

[Anonymous]

I had to make a two purchases this weekend. I put them on two cards. My utilization for those two cards is at 15% each. Will this be okay to keep it at for a little bit?Or should I pay it off quick?

[gdale6]

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@Anonymous wrote:

I had to make a two purchases this weekend. I put them on two cards. My utilization for those two cards is at 15% each. Will this be okay to keep it at for a little bit?Or should I pay it off quick?

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If you are not apping for anything I dont see a problem letting it report.

[MarineVietVet]

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@Imhotrodcrazy wrote:

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@MarineVietVet wrote:

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@Imhotrodcrazy wrote:

---

@Anonymous wrote:

This makes no sense. Why would it lower 17 points?

---

I feel your pain,  when I mess up and all accounts are "0",  I loose 12-18  points.  And as some believe,  I don't get all of mine back on the next reporting of only one card with <1%.  It has been 3 months and I still have not received all of my points back  on EX and TU, and nothing else has changed on the reports other than util.

---

You can lose points even if you do all the right things. That's just the way it is.

My wife has a Discover card so we're able to track her TU 08 FICO. Three months ago she hit 850, two months ago it was 844 and this month it was 838.

What changed? I have no idea. We have the same 1% utilization we always carry. Obviously the scoring gods were angry about something. 

My advice is don't   over changes in your score. Expect changes.

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Did your DW sneeze on that day and anger the fico gods? 

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It's one of those great unknowns HR. 

[Anonymous]

SAME thing happend to me TODAY Down 17 point on TU and 13 points on EQ for $0 balence Unreal!

[Anonymous]

Get dinged for being responsible. It's so stupid.

[daudi81]

Find out when your creditor reports your balance to the bureaus and just make sure it's at 1-5% (the lower the better) before that cutoff date. That's all that matters.

And I feel your pain at your score dropping by doing a responsible thing. Mine drops 30 points if I forget to leave a small balance on a card.

Another common mistake is paying your debt off (like a car or installment loan) - which seems logically a good thing to do - but it can also drop your score a whole lot. Mine dropped 25 points when my lease ended on my car - took 4 months to recover. And only because I took out another lease shortly after. 

Credit scoring makes no sense.