Random number generator

I am slowly beginning to agree with some of the posters here that the scores are generated by a random number generator. Nothing else makes sense.

My TU report is perfect - no negatives. The only bad thing there is very high balances on my credit cards which pull my score down. Each month I pay a little more on each card, gradually reducing the balance. I do not use the cards any more, I just pay them down.

My score went from 702 to 698 by reducing my balance by about $100. Then it jumped to 728 by reducing my balance a little more.

My Equifax score (through CE) started at 666. It stayed there until a paid collection dropped off and jumped one point for that. It stayed there, never moving, until today. By reducing my debt by another $100 or so, I lost 13 points. No other changes.

This whole thing is stupid. I try to do the right things. No inquiries for 8 months on any of my reports. Stopped using all my cards so my balance decreases every month. Got my last negative off my report. I have done everything right and I lose points.

I don't need an answer, just venting.

 

I also picked up on the 666 score. Someone is telling me something, I just don't know what.

I went back and reviewed my CE report again. It is identical to the last one, except that my balance on one card went down by $53.

By their scoring model, I moved from medium risk to medium high risk.

 

No one will give me anything until I get my balances down. No use in wasting an inquiry.

Anyway, my score dropped to 654 by reducing my balances by $53. So I don't have the 666 problem any more.