Husband's score finally over 700 (732 actually) after 2 years of on time payments and debt load reduced by half. He goes and talks to his mortgage friend and they pull HIS tri-merge credit report. Days later scorewatch reports a 40 point drop!!! The ONLY other change I can even think of is the one cc we use all month and then pay off every month. They must have caught this at the high point (around 3K) before the payment made it. We've been using this one cc this same way for at least 6 mos, so I don't see why that would have affected it much. Then, to make things even worse, MY scores dropped by 46 pts and they didn't even pull my credit!!! I pulled a score watch report on my hubby and saw nothing weird. Needless to say we are TOTALLY MAD AND CONFUSED. We were finally at a good place to think about buying a home, so what gives? Any thoughts?