Help me understand why my score dropped

[gdtobefree]

On 12/7 my EX score was 624 then on 12/22 it dropped to 588

The changes was as usualy Cap 1 updated with a new balance on 2 accounts that went up 27.00 on each despite they update every month my scores have been going up 6-10 pts every month

Kays 12/7 was $1040

Kays 12/22 was $0

Kays went from 12/7 $1040 to 12/22 $0

HSBC 1 went from 12/7 $0-12/22 $36

HSBC 2 went from 12/7 $0- 12/22 $305

and Credit one went from 12/7 $5-12/22 $80

Now remember I had 1045 on CC's 12/7 and on 12/22 it went to 416.00 so my UTL changed

This is the only thing I can see that changed, shouldn't my score have gone up instead of down?

[marty56]

What is your total CL and CL and util on each card.  EX hates any card that  has high util even though your total uti is low.

[gdtobefree]

HSBC at 305 has a 320 limit,

HSBC @36 has a 300 limit

Credit One @80 has a 250 limit

I missed the window on all of these they all have 0 balances except for credit one, it ALWAYS has a balance of 4.00 why I don't know.  

Well, EQ must have the same tick it dropped too lower then EX

I am getting tired of this roller coaster ride, I am glad I checked my scores, I was supposed to go to USDA and put in my app since all my scores were around 625, I don't think I could have handled them telling me to get them up again and then come back, it has taken me 7 months to get it up above 600.

Message Edited by gdtobefree on 12-24-2008 05:24 PM

[marty56]

Wait till everything reports and then see what happens,  Could the $4 chaarge be a monthly fee for the CC?

Also $305 on $320 is maxed out and $80 on $250 is high also.

Message Edited by marty56 on 12-25-2008 04:41 AM

[GFer]

Keep in mind that you also went from one card reporting balance to two cards reporting balances. How many accounts reporting balances makes a difference too.