re: WTF?? My credit score went down 35 points

Correct. At the end of the day, 720-850 is all the same unless you have a collection or >30. Lenders can see more than your raw score.

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WTF?? My credit score went down 35 points

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So it went from a 385 to a tree-fiddy?

Mine dropped 9 points to 820 because I paid for some big ticket items with my credit card.

When I pay the card in full it will rise again.

If those purchases had been on the Amex green card, there would no consequences.

Mine dropped 21 when I paid off my house

Pay your bills homie

Yeah dude, pay your shite on time

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If you are going off Credit Karma, it’s wrong. Always lower for me

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I'll also agree with this. When I bought my current SUV, CK was about 30 points lower than what the banks pulled. I think it was actually 27 or 28 lower, but 30 makes me feel better.....

Creditwise (via Cap One app) was much closer. It was maybe 10 points lower.

I have no idea what my credit score is

Paying off debts lower your credit score. It’s a stupid system, but now you have less accounts.

The less you borrow, the less money you make creditors, so you are punished.

Same reason your score goes up if you keep a balance on a credit card and make minimum payments, but goes down if you pay off the card before it closes leaving zero balance.

It’s a rigged system.

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Second of all--and I'm not making fun of you--but I'm curious if this is the first time you've been hit with this ridiculous credit outcome for doing the obviously right thing?

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A couple of years ago someone opened a credit card account with my name and information. I was able to get it cancelled with no expense to me. One of the agents at the credit card company fraud department recommended that I freeze my credit file at all three credit bureaus and set up alerts for any activity on my credit file. So I get alerts every so often from them when my credit score changes. It’s always a couple of points increase or decrease. That’s how I learned of the the 35 point decrease after paying off my auto loan, I got an alert saying my score decreased.