Unusual score drop

[Anonymous]

Sarge is spot on above.  You just need revolving credit usage to be reported.  To be clear, this can be a small balance of only $5-$10.  That's all it takes. 

[Anonymous]

I experienced a 24 point drop on my report. On my 03/31/17 report my score was 669. On 04/08/17 it dropped to 645. Utilization, balances, inquiries and history remained the same. The only change was a collection account that was removed. I thought such a removal would have a positive effect. I have at least 10 other current accounts. The bureau nor myFICO can tell me the reason for the drop. They just tell me they aren't credit advisors. Any knowledgeable contributors have any suggestions?

[DollyLama]

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@Anonymous wrote:

I experienced a 24 point drop on my report. On my 03/31/17 report my score was 669. On 04/08/17 it dropped to 645. Utilization, balances, inquiries and history remained the same. The only change was a collection account that was removed. I thought such a removal would have a positive effect. I have at least 10 other current accounts. The bureau nor myFICO can tell me the reason for the drop. They just tell me they aren't credit advisors. Any knowledgeable contributors have any suggestions?

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Where did you get your report on 3/31 and again on 4/8?

[SouthJamaica]

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@Anonymous wrote:
Yes, all were zero balance.

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There's your answer

FICO doesn't like you to be totally out of debt

[Anonymous]

DollyLama, yes I have both reports. And the only difference is a Collections account was removed.

[Anonymous]

Ha Ha, thanks everyone for replying with advice. We'll see what happens next month.