Paying down CC balances....why did my score go down for 2 of the 3 bureaus???

[Anonymous]

My husband and I have been proactively paying down cc balances as we are looking to sell our current home and buy a new one later this year.  Since February, my cc usage %  has gone down over 20%.  That is the only change to my credit history - no late pays, no new inquiries, etc.  That being said, I was so excited to see how much my scores had improved since Feb but to my extreme dismay both my Equifax and TransUnion scores went down.  Experian did go up.  They all are reporting the same information. Can anyone please tell me why this may have happened??  So confused....

[starry1]

Where are you getting your scores from?

[Anonymous]

Starry....I ran all three reports on myfico.com

Thanks

[starry1]

No idea, it could be several things, an old positive account dropped off, rebucketing, or something like that. Can you compare your old reports and new reports line by line to see if anything has changed?

[Anonymous]

I did a high level comparison and didn't see anything - I can check later to see if any accounts dropped off perhaps?  What does rebucketing mean?

[Anonymous]

Anyone else have any thoughts??  Please and thank you!!!! 

[Anonymous]

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Re-bucketing/td-p/1434216

This will help explain much better than I.