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Question By
Apple777

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Why is my credit score lower than last time?
Last time I checked it was 30 or more higher points. What happened? and What can I do to prevent this happening?

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Top Contributor
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3672 People Helped

There's nothing you can do,

The truth is that your score changes all the time.  Most scores will fluctuate about 50 points up and down most of the time.  All depends on what you have done with your finances.  A balance gets a little to high, it goes down. Transfer a balance and for 30 to 45 days your showing twice your actual debt.  Open a new account and your score drops until you have made a couple of payments.   Get you balance below 30%, your score goes up. Get all your balances to zero and leave it there and watch your score plummet, not because you're a high risk, but because no ones making money off of you.  

Credit score's are a device of the Credit industry. Remember that it is rigged in their favor. Learn to play by their rules and then use that knowledge to get the best out of the credit industry.  Use this site and others to educate your self, After all it is your money. 

Good Luck 

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