pilotadjuste

Got me. Every time my credit utilization goes down 1%, my score drops about 5-15 points! A couple months ago, utilization went UP 1% and my score rose 10pts.  No rhyme or reason to this, other than banking industry wishing to keep you in debt and paying the highest interest possible until death.   Oh, and Credit Karma is no free service...they're financed by the big CC companies. Look at all the "offers" they put up for you.  Nice to see a "free" score, but its not worth much. 

Absolutely!! I've done a far better job managing my credit in the last two years and my Vantage "score" is much lower than the Transrisk.  It's a scam used to overcharge consumers.  The banks are ****ed because they were slapped in the crash. It is their way of revenging themselves on we dirty consumers.  the credit kabal will soak you until death.