Interesting how fico scores work

[Anonymous]

It’s interesting. I dropped my utilization in a card by 28%. The balance dropped $1,700 to 0. My fico score didn’t increase at all.

Yet when I spent that $1,700 a month ago my score dropped by 10 points.

[SouthJamaica]

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@Anonymous wrote:
It’s interesting. I dropped my utilization in a card by 28%. The balance dropped $1,700 to 0. My fico score didn’t increase at all.

Yet when I spent that $1,700 a month ago my score dropped by 10 points.

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We would need to know (a) your revolving accounts limits and balances, and (b) the score you're referring to and where and how you got it, in order to evaluate what you're describing.

[Anonymous]

Something else changed on your CR then between when the balance changes were reported, which presumably was ~30 days.  Lots can change in 30 days.

When it comes to Fico scoring, if Event X causes a score to change Y points in one direction, reversing Event X will cause the score to change Y points in the other direction.  This assumes that no other profile data is changing.  Naturally when you're talking a balance change and 30 days between them, many other things can change during that time.  With so many variables at play, it's often difficult or even impossible to nail down what exactly contributed to the score change.