I JUST DON'T UNDERSTAND! Score drop 39 points

[Slim1Der]

Just got a MyFico alert this morning saying that there was a change on my Experian CR (balance percentage increase). I knEw this was coming because I had to use my NavCheck for something that I have already paid off. Anyways, the alert said that I went from 0%UTI to 17% and it dropped my score 39 POINTS! And just the other day, I got an alert for the same thing on my NASA card saying I had a balance increase and my score went UP 3 points. What gives? Also, just some history, even with my reported balance on NavCheck, my overall UTI is 14%. Im hoping it's going to go back up once it reports as ZERO next month, right? Any help or comments would be appreciated!

[Stylez]

Did you check the actual Experian credit report?  I've had a lot of problems with them lately. A couple of months ago they put a charge off on my account that belonged to another person that had my same first and last name. A couple of days ago my score with them dropped almost 100 points. They had 2 collections on my account that didn't belong to me. One of the collections belonged to my dad. They actually had my dad's name listed as an alias for me. We do not have the same first name. I would definately go over that credit report closely and inquire about anything you don't recognize.

[jsucool76]

---

@Slim1Der wrote:

Just got a MyFico alert this morning saying that there was a change on my Experian CR (balance percentage increase). I knEw this was coming because I had to use my NavCheck for something that I have already paid off. Anyways, the alert said that I went from 0%UTI to 17% and it dropped my score 39 POINTS! And just the other day, I got an alert for the same thing on my NASA card saying I had a balance increase and my score went UP 3 points. What gives? Also, just some history, even with my reported balance on NavCheck, my overall UTI is 14%. Im hoping it's going to go back up once it reports as ZERO next month, right? Any help or comments would be appreciated!

---

Utilization is a "point in time" thing. It changes every month. So as far as utilization is concerned, once your new statements cut and your lender updates your reports, last month doesn't matter anymore. 

[Anonymous]

i wouldnt worry, knock that 17% UTI to 1%-9% and keep it there every month your score will bounch back up, even increase more over time.