Seems legit...

[hsfun2019]

Paid off card w 9k balance. Month later when updates score drops 30+ pts. Legit.

[Kree]

Hello, welcome to the forum.

Credit scores are a complex algorythm that include many, many, factors. Completely paying off debt can often lower scores as credit scores as having no utilized credit is a risk indicator.  Alternatively many people see score decreases at the same time as a major payoff, and associate the two, when it could be a completely unrelated matter such as a collections account added.

If you would like to learn more, we would be happy to help you analyze your credit profile.

[Anonymous]

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@hsfun2019 wrote:
Paid off card w 9k balance. Month later when updates score drops 30+ pts. Legit.

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Paying off the $9k balance didn't cause a FICO score drop of 30 points.  Either you're talking a non-FICO score (which isn't meaningful) or something else changed with your profile.

The only time a revolving balance paydown will cause your score to drop is if it's your only reported balance and that reported balance goes to 0.  Even so, this penalty typically falls in the 15-20 point range, so a 30 point drop would be suggestive of something else.

[RobertEG]

If an account was delinquent when you paid it off, then update of reporting to reflect the $0 balance and new non-delinquency status effectively updates the overall period since initial delinquency up to the date of the final status update.

That negatively impacts scoring under payment history profile, totally apart from scoring impact under % util.

I assume that the account was delinquent when you finally paid?