I hope I am posting this in the right place...if not, I am so sorry!! But, here goes... Same ole story....girl gets guy...girl kicks guy to the curb....girl starts rebuilding life and subsequently credit. I am on the upswing after two years, but one thing is driving me nuts. I just was showing on myfico, a Transunion 647 score. It gave me an alert that I had a decrease in one my credit card balances by $38.00,and boom....the score dropped to 607. Now in my head, it should go up because I am paying off my debt. Can someone please tell me why a payment can affect things negatively? so confused!! Thank you!!!