<prompt> Human: My credits in the toilet. Its going to be for a while. Theres a myriad of factors, some were mistakes I made, some were due to the small business I worked for being mis-managed into failure, leaving me unemployed for a while, some health problems leaving me with medical bills, yadda yadda yadda. What got me heres not ultimately important. What is is that for the past year, Ive been on a very long, very slow, climb back OUT of the toilet.Last month, I finally pulled the trigger on something I thought would make a sizeable improvement. I took a secured credit card. My logic was as followed:1. Adding 250 in credit would decrease the percentage of credit Im utilizing, and after a year, I could get an increase, FURTHER decreasing said percentage.2. The sole use I would have for this card would be to have my phone bill auto-withdrawn, and then have the credit card bill which would be the same ammount every month and thus easy to plan for withdrawn from my bank account, thus giving me an an additional on-time monthly payment. This would effectively double the rate in which my percentage of on-time payments increase as I currently only had one other account open.Seemed like a no-brainer.So after waiting a while for the effects to show up on credit.com and Credit Karma. Yesterday it did.The result? 12 decrease in credit utilization. Awesome. 12 decrease in late payment percentage. Awesome.SO WHY AM I ALSO SEEING A 12 POINT DECREASE IN MY SCORE?! Im so frustrated. Ive been killing myself for the past year, doing a little dance every time I see a few points of improvement, and now down about 6 or 7 months worth of progress!  <response>: Stop worrying about your credit score. If you are paying your bills off in full, every month, no exceptions by the statement due date you are doing things right, and your score will gradually improve. 