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Why my scroe dropped 69 point, without change in factors?
Any idea what could cause Transunion to drop from 764 to 695 in one week?
Equifax dropped 23 points.
Change in factors:
Total decrease in credit utilization of $220. on card increased $20.
no new inquiries
Recast mortgage. Since only few thousand left in the mortgage I did a recast allow the payment to keep reporting for long period. Could this be what caused the drop ?

Total credit limit 30K
utilization total 4% , highest card 9%.
no derogatory, public records, or late payment.
12 account total including 3 installment, one mortgage the rest credit cards.
Short credit life, 2 years oldest, 1 year average.

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