No logic behind MyFico scoring.

[ctxinfl]

 I pay down my lone credit card from 100% to 60% utization last month resulting in my score going up eight points.  This month I pay it down to 2% utilization and see zero change.  What kind of logic is this?  EVERYTHING from MyFico says that maintaining a low utilization percentage results in the best score, so why does my score not budge when I drop that utilization by 58%?    Is there an actual formula used?  Do you all simply throw random numbers our way?  Is this just a scam to keep us buying your product?

[DeadlyPersona]

I noticed that as well.....a few times my scores went up 4 points when I received alerts for "balance amount decrease" and then sometimes no points.  Or if I pay down a balance it will say "balance % decrease" and give me 4 points for going from $335-$200.  But when I went from $84-$0 my score went UP 4 points...SMH.  I'm confused.

The above are just small examples.  

[Anonymous]

I am in no way shape or form a pro at understanding this stuff but I've experienced what you've both mentioned.  I came across some advice the other day that was very helpful.  And that was that monitoring your day to day changes in scores is a roller coaster, ups and downs, joy and disappointment and that it's better to take those little updates with a grain of salt and look at the overall picture over a period of time.  So instead looking at your score like this 620 - 615 - 618 - 628 - 630 - 625 - 627 - Just look at it like 620 - 627.  Does that make sense?

[mitchblue]

I think you just have to realze all the moving parts in a myFico score. Keep your Util. low, under 30 - preferable under 10, pay bills on time, get rid of baddies if you have them..basically just keep it clean and the scores will work themselves out..