No. of Recommendations: 1
I didn't say it ruined my life. Just the afternoon.

I think it will be a long time before I describe a loss of 25 points as "a lousy 25 point drop". In my situation those 25 points could mean the difference between getting the job or not getting the job and getting the apartment or not getting the apartment. I don't see it as a small thing, especially if it could have been avoided.

Aside from all of that, I'm still interested to know whether my hypothesis about my CC pay-off inadvertently putting me in a different group, thus affecting my score negatively, could be right. If so, then just waiting it out may not be the right strategy for me.

If I'm really being graded on a curve, the activity of the other people in my group will have an effect on my score.

It seems as though before I paid off my cards, I looked great in comparison to all the other people who were using 50% of their available credit. Now, that I'm below 10%, maybe I don't look so good by comparison anymore.

With that in mind, wouldn't I want to work my way into group where I'll look great by comparison--at least temporarily until I don't need the points? Or is this just an exercise in the "black arts" of credit scoring that I shouldn't play with?

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