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Question By
mjw4527

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why would score go down with no negatives?
I just checked my score it dropped 38 points. Nothing changed other than my
debt goes down every month. No job changes, no late payments, no hard inquiries. I cant find anything that would cause the drop..any ideas?

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Top Contributor
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We can't tell you that.  You have to carefully review reports to determine the cause(s).  It's not just a matter of lates or hard inquiries.  How did your revolving utilization change?  Consider all the standard factors when reviewing your reports.

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