Confusing Score

[Anonymous]

My FICO has dropped from over 700 to a "not good" category. I have taken on no big debt, my balance(s) is 20% or less. My accounts are on auto-pay and there is no explanation other than add on a new card (NO!), pay balances down (THEY ARE DOWN)..what gives. How do I purchase or lease a car with 'not good" credit which I feel is not accurtae?

[Anonymous]

It's really difficult to give you reasons for your score drop without seeing your whole credit report.  A 20% utilization isn't ideal.  It really should be below 10% and ideally, for best scores, all but one account needs to show a 0 balance and the other one a small balance.  Are your auto pays set to make only mininum payments?  If so, that will hurt your scores as well