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Score dropping there is no reason
Really confused. Each month the only thing that changes monthly is my utilization %, which decreases. Nothing else. No new inquiries (the ones on there are old about to fall off), no collections nothing. Yet my score keeps dropping. This month by 11 pts. on both CR. In 3 months utliziation down 7% score down 15 pts. What is going on???? There is absolutely no changes other than lowering my utilization. My friend has multiple collections, 88% utilization and more recent inquiries. Her score on Credit Karma are 20pts higher than mine. When CK switch scoring systems I dropped 70 pts. This is ridiculous.

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