First, FICO scores are based on reports from the credit bureaus, which usually update quarterly. So, the payoff may not have posted yet when you got your new score.
You actually have 3 FICO scores, one for each of the major credit bureaus, and each bureau may not have the same information. So, the previous score may have been Equifax's and the more recent score may have been from TransUnion.
Plus, your info is being compared to other people in your bracket; how they are handling their debt can reflect on determining your score.
Both 784 and 801 are fairly high scores. 850 is considered perfect. Congratulations!
