I don't understand this....transferred a high apr cc a lower apr cc, my score dropped 11 pts! I haven't charged anything on any cards so the balance of what I owe is still the same. Now when the card with no balance reports a zero balance is this going to make my score go up? This is very frustrating....last month I paid off a $37.00 collection I didn't know I had (was supposed to be paid by workers comp) and score dropped 11 pts. That's 22 pts in 2 months. Planning a major purchase soon.. Was 708 now 686. Help! any suggestions?
