The inconsistency is mind-boggling!

[Anonymous]

I have a 787 FICO score.  I have 102,500 in available credit.  My credit utilization % is 1.85% ($1,900.00).   No late payments, average account is 14 years old.  I have had it as high as 817, but it drops for almost no apparent reason? Almost arbitrarily.  Last time it dropped because it stated I was utilizing too much credit, but my utilization was 2.1%!!!!!!!!!  That's .16% higher than it is now!!!!  Are you kidding me?  There are so many inconsistencies with this scoring, that it doesn't even make sense.

[llecs]

Each CRA and associated score can be quirky and give their own reasons. Where did you get your FICO from and which CRA is it?

[MattieNumNums]

My scores were off for the longest. For the first time ever both my CB's are reporting the EXACT same score, with different account info!

[Anonymous]

I got it here on Myfico.com, the CRA is Equifax.

[Anonymous]

BTW,  congrats on raising your score from the dead.  Keep up the good work!

[Anonymous]

Is your current utilization higher on one particular card than before?

[Anonymous]

Sure, I switch cards all the time for rewards benefits, but always pay off the cards before balances are put on other cards.  The credit utilization percentage remains cnstant though.

[stan_the_man]

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@Anonymous wrote:

Sure, I switch cards all the time for rewards benefits, but always pay off the cards before balances are put on other cards.  The credit utilization percentage remains cnstant though.

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I find that the negative score reasons get real funky from 785 on up -- assuming you get negative reasons at all. If you're seeing swings from month to month, then it's either a factor of the number of revolving trade lines reporting a balance or the utilization on the specific trade lines reporting.

[suzook1]

perhaps at your level with such high credit available maybe your quickly moving into such a category that you end up getting very little score movement for a lot of work? I am guessing but from what I seem you look like an easy 800+ candidate but there must be something not obvious holding you back from re-achieving that goal.

cant think of what else it could be.

[Uborrow-Upay]

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stan_the_man wrote:  I find that the negative score reasons get real funky from 785 on up -- assuming you get negative reasons at all. If you're seeing swings from month to month, then it's either a factor of the number of revolving trade lines reporting a balance or the utilization on the specific trade lines reporting.

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+1

Once you're in that +760 group, the CRAs need a reason to exist for you, just to tell you what you're doing wrong. Sometimes, they need to stretch for an answer...

Don't sweat it.  You're golden!