Recently Experian FICO 8 score took big drop. Explanation seems to be no credit card. But Experian shows credit card with 23 percent utilization. Coukd be partially NFCU fault. When they reported this month, suddenly the credit bureaus were confused - they either thought I had an extra card or no card. In any case, Experian has it sorted but FICO does not, perhaps the data tranmission does not notice these kinds of errors?