In 2007, my Experian score remained unchanged at 839 for most of that year:
In January of this year, I pulled my scores and my Experian score dropped to 831. What was puzzling was that my amount of revolving debt had also decreased.
I discussed this with some of the moderators, and we could only conclude that scores do fluctuate from time to time, without any apparent reason.
I know it can be kind of depressing!
@Anonymous wrote:Hello FICO Folks:
I hope the weekend went well for all. Can you answer a concern I have please. My credit score in October 2008 was 830. The November score is 817. How could a score decrease when I have nothing that changed in the credit profile. I have never been late for a payment, pay in full every month, and my monthly credit card bills range from 20.00 to 300.00 but are never fianced.
What did I do wrong? I had hoped that using credit cards (2 total) smartly and paying in full, never making a late payment to anyone would be the best way to either go up all the time or at least be stable. My car payment hasn't changed. I rent and do not own property.
Thanks for your help, Ralph
The very high FICO scores are quite sensitive to even minor fluctuations in one's credit profile. The bottom line is that you have an outstanding score, regardless of whether it is 817 or 830.
The most likely explanation in your case is that the balance reported by your credit cards was not exactly the same from October to November. Even though your utilization percentage is still very low, an increase in balance can still have a slightly negative effect on your score.
Don't sweat it. This is not a concern. With a score above 800, you'll get the best rates on any loan that you apply for. The only thing that gets hurt is your FICO pride 
. I know the feeling!
You'd think with a score of 800+ you wouldn't care about a few points. 
500.