Why did my credit score drop 30 points with no changes?

M

merdanjasonlive

New Member
Hi all,

What might cause a 30-point drop in my credit score? The report contains nothing unusual—no new credit inquiries, no missed payments, and no other changes—just an unexplained decline of 30 points. My score is still at 1034, which is excellent; I am merely curious. There has been no change of address either.
 
That happened to me last spring and it drove me nuts checking every day. Nothing new on mine either, then I realized one of my cards had reported a higher balance right before the statement cut, even though I paid it off days later. Utilization looked worse for that one month and it bounced back the next. Might be worth checking the balances that were actually reported, not just what you owe now.
 
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