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treddington

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Varying Credit Score VooDoo
A few days ago my credit scores were 816 and 819 respectively. Now they have dropped by 19 and 15 points. I have no new transactions except for the ongoing ones and no large purchases. Can someone explain why my score should drop after several months of being at the 800+ level?

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850 isn't important

With scores as high as you are, a 15-20 point change is nothing to really worry about.  

To answer your question, it's likely to do with Credit Utilization.  The credit card companies do not necessarily report your outstanding balance when your bill closes.  If at any point your utilization was above 20%, this could result in a subtle drop (even if you pay the bill in full before the due date).  And I know you said that you didn't have any large transactions, it's litterally just the date the credit card company reports your balance.

Have you applied / been approved for a new line of credit?   An auto loan?   A mortgage?   Any of these would effect your "Average Age of Accounts" and could also result in a drop in the 15-20 point range.

This is just an educated guess.

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