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Good makes bad?
My score was 686 last month, and I thought it would have gone up this month, but it dropped to 681. I checked everything out, and it is only good marks since last month. I reduced my overall credit utilization by 14%. All my payments have been on time. My credit limit on my credit card went up. I had one hard inquiry removed from my account, and I have zero derogatory marks and zero accounts in collection. When I first started using CreditKarma a couple of months ago, the credit simulator said my credit should go up to 712 just by making all payments on time for the next couple of months. I did so, but it dropped anyway. I know it's only four points, but what's up with that?

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