why would my credit score go down?

Even though your current credit card balance is lower then last month, did you make a large charge on that previous statement period. If one makes a large charge (above the $300 range) then ones score may take a little hit.

This has happened to me when I charged $850 one month. It pushed my debt utilization ratio up a little but once I paid it down when I received the statement, my score went back up a month later.

There really is no reason to check your score so frequently. Once a year, if even that often, is more than enough. Besides, unless that score came from MyFico.com, it's worthless. Creditors use FICO. Third party monitoring services use Fakko -- some literally just make up a number.

Scores fluctuate a few points constantly -- even from morning to evening. It all depends on exactly what shows on your credit report when the requested. Could be one of your cards hasn't updated yet.

Don't obsess over your score. Just pay all your bills on time and check your credit reports annually for accuracy. Your score will take care of itself.

there is not any set variety of issues your score will bypass down for an inquiry, it will strengthen depending on the variety of inquires you've over the perfect 6 month era. the entire theory is to confirm threat, if you're employing for numerous credit your this may element out you're a better threat as you're searching to address extra debt and some lenders might want to not be granting it to you. That reported in case you practice for a mastercard and have not utilized for some thing lately you should lose below 5 factors once you've many inquires over a short era it would want to be as a lot as twenty factors. yet those bypass away after 6 months, and in case you do have some inquires on your credit from paying for a sparkling vehicle or homestead and procuring prices or some thing like that, write a letter to the lender the position you're employing and clarify that you've been procuring for a vehicle loan or a loan and they'll dismiss the inquires. desire this facilitates.

the score flutctiates with things that are not always in your control. also it tends to be with in a range. A flux of 10-20 pts is to be expected. !

it could be that someone checked your score, you didn't have a balance at all on a credit card etc. it can fluctuate sometimes