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PurpleStarFlower

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Why does a score drop when there have been no changes or inquiries on the report?

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There have been changes.  Any score is based on the data in a report.  Scores don't just arbitrarily change.  You need to keep in mind that changes are not just additions or deletions.  Aging, changes in revovling utilization, etc are just a couple of examples of changes that can impact your scores.

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was it the same agency? same scoring model? there are three different credit agencies, and their scores will vary. there are also countless models, so chances are even within the same agency, pulling on different models on the same report will net different scores. if your scores are good, and you're keeping up with your credit, then all is well. 

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Score dropped

I really don't understand.  My score dropped twenty points and I pay all credit cards in full every month.  Help

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