Credit Usage Confusion

[Anonymous]

I have a $7,000 credit limit on one of my cards.  My last balance was $1,800.  That's only 26% usage.  How come my credit score decreased by 13 points?

[Tuscani]

Generally any increase over 10% could lower your score.

[Anonymous]

Tuscani wrote:

        Generally any increase over 10% could lower your score.

Tuscani, please tell me if my analogy is correct...

If my new statement balance ($1,800) increased by over 10% from previous statement balance ($900), this can lower your score even though you're NOT using more than 30% of your credit limit?

Message Edited by paisley on 09-24-2007 04:23 PM

Message Edited by paisley on 09-24-2007 04:24 PM

[MidnightVoice]

I lost 8 points foing from $0-22 bucks on 1 account 

Total util was 1% and didn't change

Message Edited by MidnightVoice on 09-24-2007 06:28 PM