I lost a house in August of '12. I worked really, really hard to rebuild my credit and bought my house in October '15, and a car in August '16. So I'm gardening, waiting out the inquiries, and a little sensitive to what my score is (working to get it back over 700; currently 678.). I've been faithfully paying everything on time, and get frequent alerts that this balance or that balance has gone down by $xx, but haven't seen a bump in my score. Then my mortgage was sold to another servicer, and I was dinged four points (which is small, I know, but dropped me under 680.). I don't understand how consistent decreases in balances and therefore utilization wouldn't result in a higher score, but something which had no effect on any balance and which I had no say in would drop my score. Sorry, I know it's a petty thing, but I watch it like a hawk after clawing my way back from 570. Has anybody had this happen, and did anyone know why a change in mortgage servicer would have any effect on a score whatsoever? Thanks in advance!
