One week 5 point incrase and 5 point decrease

[Anonymous]

Has anyone figured out why they sometimes get minor increases and decreases in the same range of time? According to ScorePower FICO report - I use 1% of my credit. I use credit for purchases to for a small amount of flexibility, ie. leaving money in savings while I'm waiting to get paid (I'm self employed). I have $35k in student loans and have the payments set up on auto-payment. (I think I'm pretty fortunate for that amount of debt because I went on to pay cash for my Masters degree abroad!) I just checked everything and all is current. The ONLY thing I can think of for the decrease - is that I just requested and was approved for an American Express card in the United Kingdom because I'm currently working there. 

[llecs]

Small changes to your score is pretty normal. One cause could be a higher reported balance on one CC followed up by a decrease on another CC. Having an extra balance report on a CC can cause a score change, followed up with a score increase after another CC reports back to $0. Sometimes, oddly enough, paying all your CCs to $0 and having them report $0, can lead to a drop and then a subsequent increase could be caused by one reporting a balance. There could by any number of things causing minor increases or decreases. You'd have to pull your EQ FICO report frequently to see the before and after change.