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revdrbarry

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Credit score dropped for no discernible reason
after being stable for quite some time my credit score with transunion dropped eighteen points in a month and a half and I have not done anything different.

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Something changed for a 18 point drop,  

mine dropped -4 points and I know why,  but also know it will go back up in another month,  so not worried.

Top Contributor
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same here

hello rev......same with my score provided by Discover (went from 727 to 709) and a Visa card (went from 719 to 701).  BUT, score reported through Credit Karma went up a few points - 740 each.

People are quick to chime in  with the reasons why but I always have a zero balance on my 2 credit cards (yes, on the statement dates when they are reported to the credit bureaus) and I have an autol loan that is current and has a decreasng balance.  Besides that, a mortgage that is also current with a decreasing balance. 

So, utilization is consistently zero, balance-to-loan ratios are only improving, no credit inquiries.  There's absolutely no reason I can think of why the scores would suddenly drop.  

If anyone has a real reason (no need to say I'm overlooking something bc I know I am not.  I watch m,y credit like a hawk) then I would love to hear it.

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I'm lost

Nothing has changed on my account other than paying off my vehicle loan but it dropped 61 points before that.

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