Tracked my credit score weekly for a year, the swings were wild

Blew off my credit for like 8 years after college. Started checking every Friday on Credit Karma. First 6 months it bounced between 580 and 640 with no pattern. Then I paid off a 2k medical bill from 2021 and it jumped to 720 in 11 days. The weird part was a $35 library fine from 2019 showed up and dropped it 15 points. Has anyone else seen random small debts wreck their score way more than big ones?

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alice_wilson733d agoMost Upvoted

That library fine dropping you 15 points seems kinda extreme, but are you sure it wasn't a collections thing dragging on the report? I'd check if it's actually affecting your ability to get a loan or rent before stressing over every little ding.