Just got a Score Watch alert that my Fico dropped four points. 809 to 805. Ok, I know its not that big a deal, but it does not make any sense.
I get the alert posted 6/11/08. On the alert there is no explination as to why it dropped, just that it dropped four points. Yes, there are the canned responces on the page, all dealing with over credit limit, large purchased, late payment etc....
I carry -0- balances on all my credit cards, no lates, nothing.
The last reported card was Household Visa on 5/14/08 for $144.00, which was paid off.
I use an AMEX company card for all my purchases. The only time I use the Household is when I am an Sams Club, as they don;t take AMEX.
So would someone please give me a better understanding as to why a Fico score just drops for no reason at all.