TU dropped from 793 to 744. Reason #1. "You have too many credit accounts with balances." (19 - all student loans) Reason #2. "There are no recent balances on your revolving credit accounts." I'm in the habit of letting at least one credit card report a small balance each month and then paying off in full but for the last few months my cc balances were reported as $0 resulting in a 49 point drop. When my score was 793 I had 20 accounts with balances. Now that my score is 744 I have 19 accounts with balances. I'm assuming the point drop has to do mainly with no recent balance on revolving credit. Ouch! I won't do that again. Lesson learned.
FICO® TU: 703 8/07/2015, EQ: 716 8/07/2015
