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damolitoy

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Credit score dropped 45 points for no reason! CK 718 to 673.
Hey guys,

I started my credit history 10 months ago with a secured 99/500 Bank of America Cashrewards and the secured Capital One.

So far, I've always PIF, and kept a low utilization (<20%).

Last week, my BOA GRADUATED to an unsecured card, and they increased my CL from $500 to $1,000, so that's a very good news.

Today, my Credit Karma score DROPPED 45 POINTS!! With the following explanations:
- The limit on 1 of your credit cards has increased. (That's the BOA)
- Your previously unused CAP ONE account is now reporting a balance. (I forgot to USE my Capital one card for a month...)

Note that I have made no credit inquiries whatsoever.

I really don't understand, I've been working very hard on my credit and my score has increased consistently in the last 10 months.

What happened? Please help, thanks!

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This happens to me every month.

I use a particular card 1-2 times each month to get gas in my car.. it always comes back up after my capital one account notices a charge.

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