XrayRep

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Member Since: June 2012

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Credit card utilization and your credit score

Dec 29, 2014

My score recently dropped from 696 to 693, which doesn't make sense because I have only one creidt card that I paid off about a year ago, and although I keep the card account active, I no longer use it. It has a $10,000.00 limit with a zero balance. Am I being penalized for having a credit card account and not using it? My score should go UP, not down as far as I am concerned!

Confused.