15% Utilization to 4% - Score dropped?

[cputrwz]

I don't have any utility companies on my credit report.

[road2freedom]

It might be a stretch... but did something old fall off by chance?

[cputrwz]

Hrmmm...well that could be a possiblity. Would that normally just "fall off" mid month?

[road2freedom]

It's possible. I would compare and older version of your report if you can just to eliminate the possibility.

[Gaby10]

I lost a bunch of points by going from 1% to zero on CreditKarma... my "report card" even said that--I went from an A to a C in utilization. I let a little more report this month and went back up to 1%, and my grade went back up to A. Did I get the points back? NOPE.

[T1C]

I lost a bunch of points by going from 1% to zero on CreditKarma... my "report card" even said that--I went from an A to a C in utilization. I let a little more report this month and went back up to 1%, and my grade went back up to A. Did I get the points back? NOPE.

 

Keep in mind credit karma has been known to not change its score for months sometimes even 1 year later. I got a 20 point score boost just by having my Amex report less of a balance one month than it did the next.

[Gaby10]

I lost a bunch of points by going from 1% to zero on CreditKarma... my "report card" even said that--I went from an A to a C in utilization. I let a little more report this month and went back up to 1%, and my grade went back up to A. Did I get the points back? NOPE.

 

Keep in mind credit karma has been known to not change its score for months sometimes even 1 year later. I got a 20 point score boost just by having my Amex report less of a balance one month than it did the next.

 

Mine changes regularly. Although often stupidly. Like a 9pt drop overnight for, uh... NOTHING.

 

CK and TU... a match made in h*ll. Both equally incompetent and insane.

[T1C]

I lost a bunch of points by going from 1% to zero on CreditKarma... my "report card" even said that--I went from an A to a C in utilization. I let a little more report this month and went back up to 1%, and my grade went back up to A. Did I get the points back? NOPE.

 

Keep in mind credit karma has been known to not change its score for months sometimes even 1 year later. I got a 20 point score boost just by having my Amex report less of a balance one month than it did the next.

 

Mine changes regularly. Although often stupidly. Like a 9pt drop overnight for, uh... NOTHING.

 

CK and TU... a match made in h*ll. Both equally incompetent and insane.

 

lol thats why i just use it for the report and not the score.