Why do I have this question? My score was: Mar Apr May June July 626 616 688 705 662 I don't see any formulas or any thing there. Because I always use the same credit card and the same amount from these cc was charged every month. I don't do any inquiries. I this period time I don't ask about loan and credit. My payment always on time. For example, can be next today my score is 662, tomorrow 720, and next day 650. Because, for example, yesterday I used my credit card and I have amount, but when I pay it today my score will raise. And when I use cc again my score go down again. And how can "Closed account" and "Lost Credit Card" change FICO score.