WTH - paid off $19 and dropped 83 points!

[Captivating]

I paid off a $19 balance on a card bringing it to a 0 balance. I usually keep that card at 0 but do use it every other month or so. That balance change report and my FICO dropped from 787 to 704. No other changes to my file. Still have multiple other cards, credit usage is low overall. This new system makes no sense to me.

[Anonymous]

I feel your pain.  We just bought a new house and because the old loan was paid off, we took a 21-point hit.  (Not as bad as yours, but STILL...)  If we'd taken out a car loan and a 2,500,000 new mortgage, we'd have only lost ten points.  IDIOTIC.

What we all need to do is run up a bunch of medical debt and not pay any of it.  

[Revelate]

That's wierd: to be clear, you have other non-AU credit cards which have balances on them?

There likely wasn't any deliquency or worse on your reports if you had a 787, either something changed (and that seems extreme for even all your credit cards reporting zero) or it could be a bug which occasionally I've heard of over time where there will be a big swing on the next update it's back to normal.  It's never happened to me so I have no idea what causes this.

Before declaring the sky is falling, I'd wait for the next update just in case it's a glitch, and if it's still down near 700, I'd pull a report personally if you haven't done so already and go over it incredibly carefully as I'm fully in agreement with your WTH exclamation from what's stated.