I use Credit Sesame and Credit Karma both say my score dropped 85 points for paying off my secured credit card on time and using less than 30% of my card limit. 

I'm confused why would doing something positive have a negative effect on my credit score?

Thanks

Based on Transunion data

Credit changes

Current score
489
Jul 6
574
 
489
 
85 pts

We found 1 change to your Transunion credit report.

Balance Decrease
CAPITAL BANK
 
+
Balance Decreased by $10
5%
Excellent
0%
Excellent
Credit Card Utilization as of Jun 2, 2019
Credit Card Utilization as of Jul 1, 2019
Nice work! It looks like you're using less than 10% of your card's credit limit. Credit Card Utilization under 10% is generally considered excellent.
Between June 2, 2019 and July 1, 2019, your CAPITAL BANK credit card balance decreased by $10 from $10 to $0.

Wen Dee

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