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Question By
griffith304

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My score has dropped 19 points since June, taking it from excellent to good.
Here are the changes in my finances: student loans were sold to a new lender, credit card balance increased by $1,600 (30% of my limit), auto loan balance down by $3,000. No inquiries, late payments...etc Should I contact the credit bureaus?

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19 points is quite tolerable. The fact that you increased your debt is in itself enough to lower your score even more than that. Bring your debt back down to 20% and you will see the score recover quickly afterwards.

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And you do want to work on paying the student loans off as quickly as possible since they remain collectable until paid in full, and are not dischargable in bankruptcy.

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