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kkoolpatz

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Why did 0% utilization down from $250 credit card bill last month drop score by 41 points.
i have always paid off my bills the same month have never had a past due. My credit score dropped 41 points after i paid off a $250 credit card bill. The simulator shows that if I had atleast $1 in my credit card usage my credit score goes up 42 points back where it has always been. Next week my other credit card will report its score and i will make sure i have some balance when the statement is generated. So it should restore my credit score. But trying to figure why there is a 41 point difference between $1 owed v/s $0 owed. Thanks for reading

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Those two things might be related. Tho yes, it's better for your "scores" when your utilizations is reported at 1% then at zero, but it shouldn't fluctuates 41 points. 

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