15 point CK drop!?!?

[stealthc63]

So I logged onto CK today and noticed that my score dropped 15 points!!! The only thing that changed was my utl from 30 to 31%. Am I missing something here or is 1% really that big of a deal???

[kekrre]

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@stealthc63 wrote:
So I logged onto CK today and noticed that my score dropped 15 points!!! The only thing that changed was my utl from 30 to 31%. Am I missing something here or is 1% really that big of a deal???

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CK is really sensitive to utilization. I went from 10% to 45% for the holidays (was briefly reporting two large balances on different cards due to update cycles) and my CK score dropped from ~740 to ~660. USAA's tracker didn't care at all. Both USAA and CK significantly underestimate the true FICO that Discover and BoA sent to me. I woulnd't worry about it. At all.

[Joesh]

My score also just droppd 15 points. I opened 1 new credit card and my UTIL went from 4% to 2%, no hard inquiries on TransUnion, but score dropped 15 points.

[RonDawg]

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@Joesh wrote:

My score also just droppd 15 points. I opened 1 new credit card and my UTIL went from 4% to 2%, no hard inquiries on TransUnion, but score dropped 15 points.

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your score may have dropped due to AAOA the new account would have lowered your AAOA.

[Walt_K]

I've had my CK score move all over the place when I couldn't figure out any differences in my report and I wasn't seeing any change in my FICO score during the same period.  I honestly don't think it's worth trying to figure out why your CK score is changing.