Score Fluxuation

[Anonymous]

Why would my score decrease when my balance increases but don't increase when a balance is lowered or paid?

[AllZero]

See below for some great primers.

I would recommend reading the below from ABCD2199
The Truth about Credit Card Utilization
My 11 Rules to Credit Rebuilding
FICO Score: What to pay down first?

From Birdman7
General Scoring Primer and Version 8 Master Thread rev.5.17.20

[Anonymous]

Utilization thresholds.  Good links above on reading material that will exactly answer your question.

Balance changes in dollars are not directly proportional to score changes. 

Your total balances could be (say) $2000 and if you pay down $300 to $1700 you may see no score increase at all, but if your balances increase $100 to $2100 you could see a score drop.  In this hypothetical example, perhaps utilization thresholds exist at $1600 and $2050 for this file... meaning the paydown wouldn't have crossed the threshold, but the slight increase would have.  Scores react accordingly based on those threshold crossings.

[SouthJamaica]

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@Anonymous wrote:

Why would my score decrease when my balance increases but don't increase when a balance is lowered or paid?

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That is simply not the way it works.

Generally when your balances are lowered your scores are raised.

We would need to know your details  -- types of accounts, number of accounts, limits, previous balance, new balance -- in order to figure out what happened in your case.