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rosemcelticlady

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why did my credit score go down 21 points in the last couple of weeks

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I'm sorry that you had a drop in your credit report.   To answer you question, you should answer a question first.  What changed?    The answer is not "nothing".   Something changed.   Review your accounts, which one is newly added.  Which one did you add in the past 60 days, that just showed up.   Check your inquiries what credit was applied for, this includes which creditors you asked for a credit line increase.    Look at your utilization as well as the date reported by a creditor.   Did you utilization skyrocket or did it drop to 0%.   Yes, even 0% can affect your credit.   Any percent between 1 and 10 is better than 0%.  It shows credit usage, 0% with 0 balance does not show credit usage.    Look at your older closed accounts.   Which one disappeared?   You will want to look at your credit report over the past 30-60 days for these comarisons.  Your current score was a snapshot of the day of the pull from the bureau and you'll need to be able to see the history over time. 

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