I got a Score Watch alert today:
The total balance on all your HELOC account(s) has changed. This amount is a sum of all HELOC balances.
It went down because I made my monthly payment like I always do. It dropped by about $145 like it does every month.
My Transunion score also dropped. By 6 points. Whyyyyyyyyyyyyyyy?
I've just been minding my own business, paying my bills, letting one card report about 3% of its credit limit, then paying it off after it posts. No new inquiries. No new baddies of any sort. Nothing.
Thoughts?
That's what is so weird. My Transunion score has been sitting at 745 since the end of August, 2014. I've been a good girl, so it just seemed odd that after all that time at the same score, it would drop 6 points out of the blue.
I know, I know... The mysterious algorithms and all that. It's just crazy-making 
@MarineVietVet wrote:It's normal for scores to go up and down a few points from month to month.
My wife has a Discover card so we're able to see her TU FICO 08 score. Over the last few months her score has gone down six points, then up eight points the next statement.
What changes from month to month? I have no idea.