Why would my credit score go down if I pay off debt?

Ok here is the situation. I have only been building credit for less than 8 months my credit score is 622. I have 3 credit cards. But I have a charged off bank account in collections along with a returned check. I used a Credit score analizes on one of the websites that lets you plug in scenarios and it tell syou how it would affect your credit. It deterimed IF I were to pay off this very small $1000 debt it would decrease my credit score by 33 points. WHY in the heck is this? and if I were to leave it on there and not pay would it do any more damage to my score than it has already done? Or if I pay it off how long before I gain those 33 points back? This is from Identity Guard website

Why would my credit score go down if I pay off debt?

the credit score is really a messy system,

I filed for bankruptcy, so I did not owe 50K anymore (raised credit score), but I had the bankruptcy on my record (lowered credit score), the net effect was that my score dropped from 670 to 620 because of the whole thing...

the thing that raises the score the most is how much you have charged on your cards combined, so buy everything on a card, then pay it off every month and you will quickly get a better score.

more important than your credit score is how much money the credit cards will take from you over the years,

if you have trouble paying your bills this month, how is paying someone money to loan you some right now going to help you next month ?

credit card companies use the same tactics that drug dealers do.

at first it is free,

then you get charged a reasonable amount for what you get, and this may be for a period of years.

the moment they know you are trapped, they will change the agreement and take every dollar they can get from you, even if it is illegal.

and you will see not a single sign of it coming till you are facing bankruptcy.

what ever you do, keep your credit cards payed off, and %26quot;borrow%26quot; from your checking account.

I hope I helped you and not just added to your confusion.