Gumshoe's problem appears to be the same thing that happen to me. My credit score recently dropped 15 points from 720 to 705 and the only balance increase was a $10 charged on a card I don't use that often that was paid off two weeks later. I hardly see $10 dropping a score 15 points but I am only 24 and my credit history is short. It just feels that I keeping doing everything right and getting punished for little things like this because others in my bucket have credit history of 19 years, that means I would have to have opened my first account when I was 5. Ridiculous expectations!
Yep- this happened to me as well-- Rebucketted when oldest account hit 13 years this January...
So, if we agree that a re-bucketing occurs at 13 years, are there any further buckets to be moved into, say at year 19, or later?If 13 and higher is better than 12 and lower, is there another one, i.e. 19+ is better than 18- ????