Credit score going down

[Anonymous]

Why would my credit score go down by paying all my credit cards before the due date?

I thought that's what you were supposed to do?

[JcT21]

i have learned the hard way that if you pay all your cards down to a 0 balance before the due date and nothing reports to the bureaus, your score will drop like a rock.   always let something report.  not sure on how much, but let something.  im thinking as long as its less than 10% of your avail credit on that card.

for starters im letting somethign along the lines of a tank of gas or a dinner report each month.  whatever gets reported wont be much.

what im gonna do is pay everything to a 0 balance except i will leave a small balance on 1 card and let that report.  according to some on here that will work like a charm.

[Anonymous]

Ok I will do that.

It was weird 108$ out a 6300 credit line reported and my score went down 5 points. This is all so new to me.

[NRB525]

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@Anonymous wrote:

Ok I will do that.

It was weird 108$ out a 6300 credit line reported and my score went down 5 points. This is all so new to me.

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Sorry to hear about the score drop. What are your MyFICO scores?

Which cards do you have, what are the credit lines, and how much had you been letting them report before? How long have each of the cards been open?

Going completely to zero will likely lead to a score drop.

Bringing a card out of zero with a new debt balance might also lead to a score drop.

Letting your cards report consistently small balances based on normal usage, over months, will let your score stabilize and measure your good payment activity.

Good luck!

[Anonymous]

Yep,  you gotta have something to count for utilization. You probably just paid them before anything was reported, so zero ended up being reported. It will bounce back as soon as a balance is reported again.

[Anonymous]

You get dinged for "no use of revolving credit". That was the message I got when I switched which card I let report and had a 0 balance on all for a week.