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ryanbaudoin

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Dropped dept to credit ratio by 7% but score dropped 8 points!!
My total credit utilization went from 42% to 35% but my score dropped 8 points!! No other change has occurred. The credit simulator says that if I pay off any more debt that it's going to drop even more. This makes no sense to me. Does anyone has any insight regarding this?

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It happens Credit scoring isnt a perfect science 35% is still high....get it don to 20% and then your score will go up

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