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@Anonymous wrote:This whole thing is really bugging me. If no known changes have been made regarding the way FICO sets the score then I am flummaxed!!2006 Score 781Positive FactorsNo late paymentsLong Credit History 31 YearsLow Proportion of Balances to credit limitsNegative FactorsMost Recent Account Opening is very recent2007 Score 748Positive FactorsNo late paymentsLong Credit History 32 YearsHave Limited Use of Available CreditNegative FactorsToo many credit cards carrying balances [Lower than last year]Amount Owed on revolving accounts is too high [Lower than last year]Same number of accounts as last year with one less account having a balance.I keep thinking I'm going to get an email from them saying "We're Sorry, we meant to say 784!!!