Score Drop Experian

[zerbherb]

 i left 200$ on my bill it dropped on the 19th. I paid it off the next day and i dropped 15 points on experian. I am generally confused I am doing everything right what else can they possibly want.

[gdale6]

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@zerbherb wrote:

 i left 200$ on my bill it dropped on the 19th. I paid it off the next day and i dropped 15 points on experian. I am generally confused I am doing everything right what else can they possibly want.

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I would look elsewhere for the cause but really I would not even worry about +- 20 pt moves in Fico, its going to fluctuate all the time.

[tonyjones]

I assume your balance on your CR was updated to 0 which FICO does not like.

[racer-x]

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@gdale6 wrote:

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@zerbherb wrote:

 i left 200$ on my bill it dropped on the 19th. I paid it off the next day and i dropped 15 points on experian. I am generally confused I am doing everything right what else can they possibly want.

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I would look elsewhere for the cause but really I would not even worry about +- 20 pt moves in Fico, its going to fluctuate all the time.

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In the words of Hillary " At this point, why does it matter?"  lol

[zerbherb]

so a 15 point drop doesn't matter is your explanation. got it. 

[zerbherb]

so one of the things it says is some accounts are not in good status. So that must mean my autherized card because i have paid of my discover in full the past 2 months.

[gdale6]

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@zerbherb wrote:

so one of the things it says is some accounts are not in good status. So that must mean my autherized card because i have paid of my discover in full the past 2 months.

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Is the AU card reporting late payments or a high balance reporting?

[racer-x]

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@zerbherb wrote:

so a 15 point drop doesn't matter is your explanation. got it. 

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It's an inside joke.  Sorry 'bout that.

With the flurry of these 'score drop' threads (hell,  think i have a few out there), all you hear is, 'something else must have changed, things you cannot see or control' etc etc,, and after those explanations are given, you'll get the ' you shouldn't worry abouut your score so much....scores are dynamic....always changing....as long as it's within 20 pts you're fine."  I just wanna hear a new/fresh explanation for all these crazy score drops.  As I've stated a 100 times....I recently paid off $20k in debt and gained 30 pts across all 3 bureaus.... a week later, I had a balance increase of $44 on a single account and lost 6 pts...so I basically netted 24 pts after paying off $19,956.00.

Truth is, nobody really knows.  The best and only advice that really can stand the test of time is, pay your bills on time, don't incur a ton of debt  and the rest will take care of itself.

[zerbherb]

if 600 out of a 2300 limit is considered high then yes.

[gdale6]

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@zerbherb wrote:

if 600 out of a 2300 limit is considered high then yes.

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Its below 30% so thats okay though you want to have your card(s) report less to cover for the AU balance.