@pammifflin wrote:
my FICO score goes up and down worse than the stock market. there is no consistency. I'm very aggravated and just pay down $265,000 of debt and my FICO score decreased. something seriously needs to change about this reporting database. It makes absolutely no sense. I spoke to a representative who said oh you wanted me to keep this alone and show that I was in good payment faith you don't think paying down $265,000 in debt is good payment fee? I am seriously
There's definitely consistency if you follow your credit report data changes (annualcreditreport.com) and how your scores react to them. In time you can become quite good at predicting what sort of score impact various report data changes will yield. The FICO scoring hobbyists on this forum have spent roughly 2 decades doing exactly that, so at this point far more is known than is unknown.
As for why your particular FICO score in question changed, you'd have to disclose what exactly changed on your credit reports. Without knowing more about your overall credit profile, it's not worth speculating at this time.
