Oh, I get the Rackett!

[babbles]

When you run up your debt your scores go up, and as my credit balance is coming down, so is my FICO scores!    I know it's probably not that simple but boy, sure looks like it!

[Anonymous]

Far from true.

Ideally, you want a small remaining balance on an installment loan (auto/student/home/personal) and a small balance on just one out of three or more credit cards.

Where are you getting your scores from? Some of the free monitoring services (while useful for keeping an eye on things but not for scores) will sometimes have wacky swings all over the place.

Are you sure new derogs aren't appearing?