Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Scores
Profile Image

Question By

0 Contributions
0 People Helped
Why did my score go down this month? Everything still paid on time!
Score dropped from 668 to 657 from Dec to Jan.
All Responses

Results 1-4 of 4Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
13 Contributions
8 People Helped
Most Helpful Response

Helpful to 2 out of 2 people

Make sure that you pay off your cards around the end of the month and try to make sure you have zero balance on or about the first.  That's when the companies report balances.  ie.  1k balance on first and you pay on 9th.  To the reporting agencies, it will look like you have 1k when you actually pay off in full.  Does not matter about the cards billing cycle.

Also, make sure your cc company did not reduce your limit.  With the new laws, they will do this and not even tell you.  This can cause your utilization to go up without you even knowing it.

Top Contributor
2696 Contributions
863 People Helped

Did your credit card balances increase?

4 Contributions
1 Person Helped

err inquiry

4 Contributions
1 Person Helped

Or maybe a credit unquiry?

Results 1-4 of 4Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.