I am looking for any help with this. I consistently use less than 30% of my available credit yet my score keeps dropping and I have no idea why. Just at odds at this point.
There’s a lot of factors that go into a score. Mine goes up or down a few points basically every month. But it usually stays within about the same 20 point range.
AdminGod_69 on
Interesting, Mine just went from 739-714. I’d say my average spending is right around my 20% credit limit. Only thing I could think of would be to keep it to 10 or just under and maybe that would do something. Don’t piss a payment, even pay it off early sometimes. So yea I was generally aware that the score will fluctuate but getting it to any higher seems impossible last few months.
EWCM on
Do you need to apply for a loan soon? If not, keep paying your balance in full each month and don’t worry about it.
3 Comments
There’s a lot of factors that go into a score. Mine goes up or down a few points basically every month. But it usually stays within about the same 20 point range.
Interesting, Mine just went from 739-714. I’d say my average spending is right around my 20% credit limit. Only thing I could think of would be to keep it to 10 or just under and maybe that would do something. Don’t piss a payment, even pay it off early sometimes. So yea I was generally aware that the score will fluctuate but getting it to any higher seems impossible last few months.
Do you need to apply for a loan soon? If not, keep paying your balance in full each month and don’t worry about it.