I sometimes browse the board and find lots of info. helpful. I too am aspiring to the 700 club. Don't have far to go, my eq is up to 668, highest ever for me. My question is: I have 2 Macy's revolving accts. 1 had a credit limit of $300 and the other a limit of $800. Within the last 3 mths from advice on these boards, I've gotten Macy's to raise both limits up to $1000. I typically pay the balance in full each month on both. I got a myfico alert saying that my score had dropped 5 pts because I had a balance increase from $0 to $71. That's nowhere near 50% of my credit limit of $1k or even when it was only $300. So why'd my score drop? The alert mentioned that Macy's card in particular. In 1.5 wks I got another alert saying that it had increased 1 pt! I was like, why myfico punishing me??