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Question By
Erik765

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Paid 5k toward credit cards, credit score went down?
Why in the world would my score go down 13 points (even though it said it raised my letter grade from D to B for utilization) when I paid $5k toward my credit card debt across a few different cards? (Going from 61% to 27% usage)?

No other reports or changes at all listed on anything...

Any ideas?

Hell, just give me the $5k back at this point, if it'll raise my score back up...

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If you have never payed a large sum on your cards at one time, they will think it is suspicious when you do.

Give them a month to settle down, they will check to see if you took out a loan or otherwise took on more debt to pay off other debt. If in two months your score isn't better then what is was before, then I would complain.

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Good call.

The other bureaus have my score way up though. Is Transunion the only one who does this then?

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Thanks for this info! I was in the same boat! I paid down all my utilization to around 30% and my score dropped 26 points! My heart about dropped to my toes but this makes me feel a lot better. Thanks! 

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