Paid off credit card - score still the same?

[Yortster]

Several month ago I paid off my Capital One Visa. I paid half the balance one month and my FICO went up about 30 points. I paid the remaining balance the second month (to $0) and my score didn't go up - what did I do wrong? This doesn't make any sense. Now I am completely debt free, and my score is the same as when I was several thousand dollars in debt. I have never missed a payment on this credit card that I've had over 6 years.

[ILBrian]

Does this payment reflect on your credit report? Is this your only card? To improve your score you should have at least 2 revolving accounts. Additionally if you want a score boost you want to carry around 9% utilization.

[RobertEG]

The first payment may have reduced your % util to such a level that subsequent reductions had much less effect.  It is not a straight-line.

What was your % util before and after the first payment?

If your score showed a 30 pt improvement after the first payment, and little with the second, the overall improvement wasnt approx 30 pts?.  How then did it remain the same as prior to the payments?

[FrugalRican]

There might be some missing information from this scenario.

Can't really tell without getting a full picture.

[marty56]

EQ dings me a few points for 0% CC util.  You can always let a small balance report again  and see what changes.

At 0% util, you are in the drivers set credit wise and AA proof as well.

[AZHeather]

Have you fully reviewed your report to see if something else showed up that may have caused any score change to "wash"?  Also, as Frugal mentioned, we would need to know what your cli is, what your original balance was, and what the payments were.

[golo]

Did you get your points back by using your CC and therefore increasing your utilization? Thanks in advance.