Valued Member
Posts: 36
Registered: ‎05-04-2008
Re: Major drop - FICO now lower than 2 years ago when I had a PR on a clean, low util report
I recently had a very similar situation. My score dropped 50+ points over the use of credit cards and a new student loan. Even though my utilization was less than it has been in years ~5%. The credit card use was for minimal use like under $200 on 3 the cards with limits of 5k each! Said I had too many credit lines with balances.

Starting Score: 719
Current Score: 809
Goal Score: 825

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