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Why does my credit score keep dropping?
Hello. Over the last few months, my TransUnion credit score has dropped from 780 to 774. Also, my Vantage Score has dropped 12 pts from 838 to 826. I am looking to buy a house in the next year and would like this credit score to remain as high as it is or higher. I have 3 cards, but two rarely get used because one is for a clothing store and the other has a very low limit. Do I need another card with a higher limit, or do I just need to spend more with my highest limit card? My highest limit, atm, is 2900. All purchases are made with this Chase card and it is paid in-full and on time each month. I added another limit of 5000 in the Credit Simulator, but that actually lowered my score to 745. How do I get this score up?


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