Has anyone had their credit score go down significantly for no apparent reason? Mine has gone down like 50 points in the last 6 months. Cont..

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I haven't opened any new lines of credit and my balances are a fraction of their limits. Never missed a payment and even checked my credit reports to make sure someone didn't open an account in my name

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Did you close a bunch of credit cards recently?

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I use the Experian app. It provides credit reports, score, activity, and more. Get all three reports and go through them with a fine tooth comb. Anything that’s more than 7 to 10 years old Gould be removed- request such. Like it was said before, creditors will close cards you don’t use w/o telling you causing your score to drop - it happened to me

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I believe if you reach a certain percentage of your total credit limit on a card, that can ding your score. Not sure what you’re working with, I’ve had that with especially expensive client site trips.

I have like a 15th of my limit on the card I use most often..

And I have a corporate card so I don't have any big expenses to worry about on my personal card typically

Beats the hell outta me then

You may want to apply credit monitoring. Somebody could be using your identity somewhere

If you increased your utilization, even if it's very small, that could drop it.

@Booze All of my credit reports look clean

Call the credit agency and ask why did it drop suddenly .. sometimes they can provide insight

Happened to me several years ago, several, basically all my VISA credit cards rarely used were cancelled at once, took my score down 65 points. The only Visa card not cancelled was my debit card.

what is your AAOA? What is your utilization rate? Did you miss a payment you forgot/don’t know about?

How many credit cards do you have?

Just 2 personally. I've never missed a payment and always pay in full every month. I've also bought a couple phones and a mattress on credit with no missed payments.. not sure what else to check

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