Why isnt my score going up

[questionsboyee]

I have been paying on time and revolving accounts have been going down. I had an instance where one account paid on time went down 1 pt. I have been paying my car notes on time no lates no issues. Down 919 dollars last month no change in score. I have about 4 payments left I fear a huge drop after its paid off.  Any advice on how to keep my scores going in the right direction. 

[GZG]

without a full understanding of your credit report, it would be hard to say

but regardless of score, paying down debt is a good thing and if the score drops when you pay off your car loan, oh well. (if you want a loan to maximise the loan part of your FICO score, consider a SSL from penfed)

list all of your accounts, any lates, any collections, any charge offs, any balances/limits you have and people here can give you a pretty good idea about why your score isn't/is going up or down

also be sure to be getting your score from here, or experian to get a real FICO score and not a Vantage score like from Credit Karma

[JoeRockhead]

There's only a few utilization thresholds that see meaningful score changes when you get below them. It would get you some more specific insight if you could provide more information.

• How many revolving accounts do you have
• How many are carrying balances
• What are the balances, and credit limits for each card carrying a balance
• Any baddies on your reports such as late payments, charge offs, collections, etc... If so list them all and when they occurred.
• Bonus question: What's your current Fico 8 scores 

If your loan is your only open loan, then yes, you'll see a score drop when it's paid in full. 

[DebbsSeattle]

My score decreased 10 pts when my auto was paid in January. Have not seen the points come back but have 2 other installment loans (mortgage and personal loan). It might be camouflaged in other point adjs but just not called out.

[SouthJamaica]

---

@questionsboyee wrote:

I have been paying on time and revolving accounts have been going down. I had an instance where one account paid on time went down 1 pt. I have been paying my car notes on time no lates no issues. Down 919 dollars last month no change in score. I have about 4 payments left I fear a huge drop after its paid off.  Any advice on how to keep my scores going in the right direction. 

---

Welcome to the forum.

Good advice from @JoeRockhead and @GZG 

Once you get us information, we'll be able to answer your question and give you suggestions for score improvement.

[Realist]

Your scores are going to naturally fluxuate no matter what you do, or don't do.  A movement of a few points in either direction is just a margin of error calculation.  This is normal.

[FireMedic1]

---

@questionsboyee wrote:

I have been paying on time and revolving accounts have been going down. I had an instance where one account paid on time went down 1 pt. I have been paying my car notes on time no lates no issues. Down 919 dollars last month no change in score. I have about 4 payments left I fear a huge drop after its paid off.  Any advice on how to keep my scores going in the right direction. 

---

Need to know what is your aggegate or overall util % across the board. One maxed out card can be a killer.