I don't understand what I did wrong for my score to go down

I've been working hard to recover post discharge. I have three credit cards, a car loan, a credit builder loan, and a care credit account that I paid off last month. I hit 681 last month on my eq score after I paid off Care Credit. 681 4 mos shy of two years post discharge. I had one card that I left $106 last month on my card (1K limit). PIF this month and my score dropped to 661! Just because I had no balance on any credit card? I feel defeated. I'm working hard to buy a house 2 yrs ppst and I feel like I just got shot. I don't understand it.

bunga7 wrote:
Thank you. I thought that was the problem. I kind of forgot and was paying all my ither cards off, because of the revolving Care Credit (for my dogs surgery. But my score was stagnating, and so I paid the Care credit off (it was 6 mos interest free) and then forgot to have a card with a balance. I have one that was due on the 29th where I will let it report. Can you remind me again...is it 9% of the card, or 9% of my total credit limit over the four cards?  Just less than 10% of that one card You will rebound right away

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