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Mtools

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Why would my Trnsunion score(786) go down 15 pts after paying off a 212.00 credit card balance?

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because you paid off your card.

Ya, makes no sense does it?  But the reality is that you credit fluctuates every time you pake a payment or use a card.

It's more imprortant that your scores stay in the bracket above 750. Credit risk is evaluated in those brackets rather than the exact number of your score.

You are in the above average bracket and that will get you better interest rates and terms than if it falls below 750. 

Hope that helps.

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