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Question By
rcraftlady

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Why did my credit score go down 14 points, when nothing has changed?
My card utilization has been at 2% for months. Age of Credit History improved from 5 years 11 months and is now 6 years. No late payments. No derogatory marks. I am baffled and hope that you can help me!!

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Something did change.  Scores are based on the data in your reports.  They're not just arbitrary.  You've overlooked something.

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You may not be using

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your credit enough!  

The reality is that creditors want to see you use credit because they want the chance to earn money off of you. If you are not using your existing credit then your score can drop just because you don't use it enough.  If you aren't using it then they think you don't need it. 

To get better scores you might want to get your utilization up over 10% once in a while, say every 6 months or so. of course paying it down right away is always best. 

Good luck 

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