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?
We found 1 change to your Transunion credit report.
Balance Decreased by $10
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.