HAHAHAHA CRAZY!

[KeithW]

My wife and I have been watching our credit scores, as we have recently paid our down our utilization from 60% to 33%. We have about 14 CCs, and only have balances left on 5 of them. Our scores have been inching up slowly as cards are paid off, though not nearly as much as I expected, considering our payment history is excellent according to myFICO.

This morning my wife shows me that her scores have all gone up between 8-12 points because it was showing that we had paid off another one of our cards. I anxiously check mine, only to find that it showed the same account was paid off, but instead of going up, mine went down 14 points!!!!

Does this make any sense? We haven't made any large purchases, we have just been gardening for over 6 months.

[Revelate]

FICO 8 I assume?

Not sure on that, there may be more debt patterns as some folks have recently suggested rather than just the usual lower is better mantra that held so well through FICO 04.

I don't know if it's a precision problem or what as I do see EX / EQ move in different directions on the "same" change (EQ has far more granularity for their monitoring solution in the 3B product) and my report traditionally is one of the most stable of people who frequent this forum I suspect.

I'm nearly entirely confident that long term, how you get to a given pretty utilization metric is irrelevant, but there may be some short-term oddities up and down.

[Aprile421]

My cards are paid off but I do carry a small balance on one card which is below 10%. The other day I used my khols card and statement cut before payment showed so I posted a $33 chage. Equifax dropped me 12 pts for a $33.00 puchase. I was like really??

[KeithW]

I am starting to think that the score changes aren't as immediate as I had thought. I am thinking that while it may show that your score dropped on the same day you had a small charge report, that what really happened, was the score went up or down because of what has happened over the last month, and it just happened to coincide with the charge showing up.