Was your last baddie from an OC or was it a collection?? Was it a late that dropped off or was it the entire acct?
If it was an OC & it was also your oldest acct, and the acct was removed.....that could have dropped your AAoA down, hence, the score drop.
If that above is not the case, this could be an issue of a rebucket. You have no more baddies, which could likely have put you in the next bucket...being a noob in that bucket, you are at the bottom...but don't worry...you'll rise fairly quick!!!
It could also be a combination of the 2 scenerios above.
Just keep those balances down under 7% & pay everything on time & you'll see a steady increase!
Your score can change day by day...minute by minute. As soon as a new entry, such as an old baddie deleted, shows up...your latest score is out there to buy.
As soon as a big payment/ $0 bal shows up...new score. As soon as any big change happens, new score is calculated immediately. Your score is ever changing & when you buy it, it is simply a snapshot in time. If another change happens tomorrow...new score.
Whitewinter wrote:Can you please tell me how I can post this in the main forum?
This is all the "main forum", there are just many different sections. One very popular section for those fixing their baddies is the "rebuilding" section, under "bouncing back from credit problems".
Go to the top of this page & select FICO Forums. That is the main menu page.
And you never will just like the rest of us. 
Don't let it get to you. Do all the right things and your score will take care of itself.