Massive Score drop, 109
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New Member

Massive Score drop, 109

My score dropped by 109 points when I paid off my credit card balance. Checked my credit report and only soft inquiries (promotionals) were recent. My card was at 785/5500 so I don't think it was high utilization. Checked everything I could find and there is no reason (based on my credit report) that it should've dropped, let alone by such a humongous amount. Zero hard inquiries, zero new accounts opened, and the only debt I had was on my credit card. Any ideas on what happened or what I can do to fix this? 

2 Replies
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Level 15

Massive Score drop, 109

Did you close the account or just pay the balance?

*Answers are correct to the best of my ability but do not constitute legal or tax advice.*
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New Member

Massive Score drop, 109

I just paid the balance off, the card is still active and in use.

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