@Anonymous wrote:I paid a card down by $15k from $24k to $9k and my score did not change at all. The score simulator indicated based on my credit profile to expect a 20-25 point adjustment. Confused as to why there was 0.
In order to be able to reach a conclusion that your score did not change despite a balance reduction, you would need to know the date the score was pulled, and whether the balance reduction was in the report when the score was pulled.
If you tell us what score you're talking about, and where, when, and how you are getting the information on the score and on the balance reduction, I can tell you if you have the information you need to draw the conclusion you reached.
(Parenthetically, as @RSX has already observed, the simulators are not reliable, but in this case I doubt you have the information you would need to know if the simulator was off or if it was right.)
@Anonymous wrote:Hey there. Yes, I got a MyFICO alert that the balance change for the credit card (Amex Blue, if it matters) was reported to TU and EQ. The new balance is in the latest report. The score was not affected when the balance change was reported, and that is the only thing reported recently. The model is FICO 8.
If the alert is reporting the balance change, and has no change in the score, I guess the simulator was wrong.
