Confused

[grc123]

I'm really confused.  I received a bonus from work, so I decided to pay off some of my revolving debt early.  I expected it to increase my FICO score, however, it dropped by 16 points and sent an alert indicating that one of my balances dropped by 88%.  I looked at previous alerts and found some that reflect an increased FICO score when my balance increased.  I would think that debt would have a reverse effect on my score.  Can anyone help me understand the correlation between paying off my credit balances and increasing my FICO score?  Thank you!!

[Anonymous]

There are going to be numerous factors that play into the status of your credit scores. If you could give a bit more information, that would be helpful.

• CCs with limits and balances
• Collections w/ age
• Any other accounts that you may have (If anything fell off your report recently, list that as well)

[Anonymous]

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@grc123 wrote:

I'm really confused.  I received a bonus from work, so I decided to pay off some of my revolving debt early.  I expected it to increase my FICO score, however, it dropped by 16 points and sent an alert indicating that one of my balances dropped by 88%.  I looked at previous alerts and found some that reflect an increased FICO score when my balance increased.  I would think that debt would have a reverse effect on my score.  Can anyone help me understand the correlation between paying off my credit balances and increasing my FICO score?  Thank you!!

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Score changes aren't always directly correlated to the alert that delivers them. 

We'd need more information to explain the delta.