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anubismagdiel

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in January 684 in February 674, why?
In January. I had a score of 684, but in February lowered 10 points, why, my utilization is under 13%, no late fees nothing out of the normal, I would like to know what happened?

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EddyTX is right (as usual).  In addition, please be aware that the score you see here is for YOUR use only.  Nobody else sees it.  It is NOT the same score your creditors get when they pull your credit.  To learn more Google "FAKO vs FICO" and you'll see what I mean.  The whole credit score situation is as confusing as possible to keep us consumers in the dark.  Thankfully, there seems to be a trend that may fix that.  Recently, Discover IT card has started putting FICO scores on customer's statements.  The Consumer Financial Protection Bureau is encouraging all credit card issuers to start doing that so us consumers can see our true FICO credit scores.  Hope they get it done!!

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scores jump around a lot!

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Scores fluctuate a lot.  Sometimes for no apparant reason.  Sometimes they don't move for months either.  It has to do with the Algaritiums that the scoring companies use.  They take info from the last 24 months and who knows what they do with it that makes things bounce around. as long as it is not a significant jump (over 25 points) there should be nothing to worry about. It should bounce back soon.

If you are really concerned do a qucik check of your credit reports to see if anything is being reported that you don't know anything about.

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