@AnonymousThanks, and I'm working on that for the next 3 months. Just was curious why going from $96 -$39 reporting balance on one card went up 4 pts; but $800-%$550 reporting on another card got nothing.
It's possible that the score gain you saw and the lack of score gain you saw weren't at all related to your received alerts. This is very common actually.
Score changes only happen when threshold points are crossed. If someone is just above a threshold point, a paydown of $50-$60 and having that report could cause them to drop below that threshold and thus see a score improvement. Conversely, if someone is far away from a threshold point, a more significant paydown of hundreds or even thousands of dollars (depending on their limits) could have absolutely no impact on score if it doesn't cause utilization to cross that next threshold.
Another factor to look at with your profile is what the highest individual utilization card is, as having one at 49%+ is going to impose a penalty. Again, it comes down to thresholds. The question here is what your highest utilization card was at before/after your paydown and of course whether or not that new paid down balance reported yet.
