incogneato
No face, no case.
I've been working on building my credit for the past year and went from the 500s to 740s. Today, I get an email saying my credit score dropped. I checked my accounts (Credit Wise, Credit Sesame) and its showing my score at 703 when it was at 743!! Like wtf! I pay all my bills on time, my credit usage is wayyyyy less than 30%, I haven't gotten any new cards, nothing in collections, debt to income ratio is under 5%. Its like as soon as I get close to 750, my score mysteriously drops and I'm pissed.
I looked at score factors and the only changes that stood out to me were:
My credit utilization went from 8% to 4%. My credit limit increased $125. My credit age went from 10 months (idk why it was 10 months) to 4 years and 4 months. That's it. There's nothing else that could point clues to why my score dropped so substantially. Any fonts experienced with credit building have any insight here? I'm so frustrated rn
I looked at score factors and the only changes that stood out to me were:
My credit utilization went from 8% to 4%. My credit limit increased $125. My credit age went from 10 months (idk why it was 10 months) to 4 years and 4 months. That's it. There's nothing else that could point clues to why my score dropped so substantially. Any fonts experienced with credit building have any insight here? I'm so frustrated rn