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Why did my TransUnion/CK score decrease?
My score went from 701 to 678 in two months. During that time:

1. My credit utilization dropped from 26% to 8%.
2. My hard inquiries dropped from 5 to 4
3. 100% of payments were made on time (same)
4. Age of credit increased from 12 to 14 months
5. Derogatory marks are zero (same)
6. Number of accounts stayed the same

As soon as I think I have this credit thing figured out, something like this throws me for a loop.

Unless I'm mistaken, everything has gone in the right direction (or stayed the same) and my score DROPS 23 points. Is there something I'm missing? Thanks!

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