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S2B

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Why did my credit score drop when all factors were improved or unchanged?
Credit score dropped by 20 points when credit card utilization dropped by 18%. No other factors had any change. How can this be?

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Top Contributor
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If what you say is true and you are not missing anything, then I say check your FICO scores somewhere if you are really concerned. I also urge you to read through the "most recent" questions on this forum and if you go back a week or two you will see a lot of others reporting the same thing that you are. I don't worry about Vantage scores, you shouldn't either. Most lenders use FICO scores. Paying down debt, DOES help your credit in the REAL WORLD, disregard what the scoring system tells you here, taking actions to appease it will really hurt your real world credit (FICO). Always look at the fine print, don't trust commercials to be disclosing all the facts.

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