Grupet wrote:Okay, but thats what I don't understand, My credit utilization are low (6-10%) I'm always paying bills on time and I have no hard or soft inquiries at all, so why do my CS keeps going down?
Maybe check your credit report if it seems fishy. But like everyone else said.. CK score is based on a different model. It could change based on the actual amount you own when the statement posts to the credit bureaus. A 20 point shift isn't really much to worry about since it fluctuates constantly. I think you're taking it too seriously, but there's always a way to verify nothing has truly changed, and that's checking on your report. I forget which one CK uses, but get the report for that bureau once you find out