I don't get FICO Scoring

[Anonymous]

I paid off 2 of my high interest credit cards(total 4) 1.5 months ago  without any additional new credit and new balance and my FICO score only went up by 2 points.

Why did it go up by 2 points only?

[tbone74]

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@Anonymous wrote:

I paid off 2 of my high interest credit cards(total 4) 1.5 months ago  without any additional new credit and new balance and my FICO score only went up by 2 points.

Why did it go up by 2 points only?

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Which CRA FICO score?  And my apologies but I have to ask, where did you get your scores...and if you don't mind, what were they?

[Anonymous]

CRA? 

I have subscribed Score Watch alert from MyFico.com website. It was 621 ( I know it is low right now , but i am working on it) and today i got the alert that it has been increased to 623.

[Lel]

What was the balance and the credit limits of your cards before you paid them off?  If you utilization prior to paying them off was low, then you may not experience a significant increase in score.

The interest rate of a credit card is not a factor in FICO scoring.

[RobertEG]

There are numerous other factors entering into your FICO scoring than just reduction of % util on two of your four cards to 0% util.

What is your % util on the other two cards?

What is payment history (30/60/90+  lates, COs. or CAs) in your CR ?

Reporting improvement in any one FICO scoring category is always to be commended.  But FICO scoring is a total review of your risk payment analysis, and varies depending upon your total credit history profile in all categories.