Fico confusion

[Anonymous]

So I am paying down my cards to get my utilization lower...one payment reported amount on the cards dropped $160... And my scores went up eq+7 ..tu +8 and ex +13 the ex went to 713..and my utilization went to 36%. Now my NFCU reported a decrease of $563 and  my score on ex went down -13 to 700 utilization on the card went from 53% to 34%...

So why 

A small amount increase 

A larger amount decrease???

Depending on who it is my overall credit amount is dependent on if they count the card I am an AU on.. but with it $13,300.

So I just don't get it at all.

Any thoughts??

[Ficoproblems247]

Unfortunately your post is not quite concise enough to fully understand the changes that took place and what caused the score change. I can tell you for certain that paying down your balances did not cause a drop in your scores. The only time this happens is when you pay all revolving accounts to $0. Dig deep into your profile and compare things line by line before and after so you are able to fully understand what's going on. Are these FICO 8 scores we are talking about here?

[SouthJamaica]

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@Anonymous wrote:

So I am paying down my cards to get my utilization lower...one payment reported amount on the cards dropped $160... And my scores went up eq+7 ..tu +8 and ex +13 the ex went to 713..and my utilization went to 36%. Now my NFCU reported a decrease of $563 and  my score on ex went down -13 to 700 utilization on the card went from 53% to 34%...

So why 

A small amount increase 

A larger amount decrease???

Depending on who it is my overall credit amount is dependent on if they count the card I am an AU on.. but with it $13,300.

So I just don't get it at all.

Any thoughts??

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Keep on paying down your cards.

The score decreases to which you refer are unrelated to the payments you made.

Where, when, and how are you getting  your information?

[Anonymous]

It is from fico app...I have no late payments, 0 derogs and no new inquiries.

I have gone from 68% utilization to 36%

Before the NFCU payment and -$250 on my HUGHES fcu card to $1400

My credit one card did as of today post a $467 balance from $117 payment is not due until Sept 7th. But they sent me a new card because of odd charges from Amazon for $0.10 and Google play for same..I wonder if they reported early because of new card???. But I paid the $467 today also so $0 balance of $500

Amex $0 of $1700

Capital one $0 of $300

NFCU $1049 of $3000

HFCU $1449 OF $2200

CAPITAL ONE (AU)$667 OF $3800

HFCU LOAN $909 OF $1000

NFCU (SSL) LOAN $244 OF $3150

Those are my totals. 

3 cards with balance ( some count the AU...SOME don't) I don't think fico does.

3 without balance.

Guess I will just have to wait and see..

[FireMedic1]

Might be 5 of your cards are reporting a balance and the new card is what happened. Get below 50% of total cards reporting that will help. But it appears the new card is what happened.

[Anonymous]

The new card was a replacement card but for some reason they reported the new balance when they sent it out ..it wasn't due until Sept 7th payment date.

(But I Pif before due date and before I even got the replacement card) that should be reporting $0 balance soon.

So 3 at $0 balance

 3 with a balance counting my AU CARD.

[Anonymous]

My new scores as of today.