Credit score dropped after balance dropped in credit card

[Isacking97]

My transunion dropped 4 points today and my experian 10 points sometime ago because i paid part of my balance

$376 to $364

Current balance on cards

Amex: $295

Discover: $57

Visa: $12

Is this normal ? my Uti is at 5%

[Dalmus]

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@Isacking97 wrote:

My transunion dropped 4 points today and my experian 10 points sometime ago because i paid part of my balance

$376 to $364

Current balance on cards

Amex: $295

Discover: $57

Visa: $12

Is this normal ? my Uti is at 5%

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 You assume that it dropped because you got an alert from MyFICO, right?

 The credit score and the alert are NOT related;  They are independant of each other.  Think of it this way:  "Hey Lsacking97, we were glancing at your credit report and noticed that your total balances dropped by $12.  Oh, and by the way, your current score is {x} in case you were wondering."

  The score change could be for any number of reasons.  Did you apply for a new card?  Did you get a credit line decrease?  Did you move recently?  There are many changes to your report that MyFICO does NOT provide alerts for, which is why when something that it monitors DOES happen, you can get a contradiction between the alert and the score change.

  I once had a 12 point RISE at the same time I got an alert that my balances had gone up by $1,200!  After a little digging, I realized a few inquiries had aged over 1 year.

[Anonymous]

Dalmus is correct here regarding the alert and score change not being related.  Well put the way you explained it as well!

[sarge12]

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@Isacking97 wrote:

My transunion dropped 4 points today and my experian 10 points sometime ago because i paid part of my balance

$376 to $364

Current balance on cards

Amex: $295

Discover: $57

Visa: $12

Is this normal ? my Uti is at 5%

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In addition to the fact the 4 point drop could be unrelated to the balance drop...it could also be that this month the 364 dollars is on 3 different cards. Was it all on 1 card last month, and how many cards do you have?...If you only have 3 cards, it would have 100% of your credit cards to be reporting.