Utilit goes down. Score drops.

[mato01]

I've gotten $35000 additional cl, utility goes down from 38 percent to 9 percent and transunion drops 6 points. 3 yesterday for new account. And today 3 with no reason given.

Aaoa is now 6 years

What gives here, no other changes to report. I assume the new accounts outweighed the additional credit lines.

Bummed but in the garden again for quite awule. Hoping for rebuild.

[Anonymous]

maybe hp/inq/aaoa

[Anonymous]

Don't sweat it it's only 9 you'll gain it back in no time

[Anonymous]

Ops I meant 6 points I read it wrong lol

[takeshi74]

There are other changes or the existing changes didn't total up the way you expected.  You'd need to carefully review reports before and after.  Also, it's not just a matter of additions and deletions but aging and other changes.  I'd agree that 9 points isn't worth sweating over.  Scores will fluctuate just from normal activity.  Set your threshold to worry over larger changes if you're going to fixate on the numbers.

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@mato01 wrote:
Aaoa is now 6 years

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What was it before?  How much did it drop?

[mato01]

I was just making an observation. I realize that the scores are fluid and move up and down regularly. I was just hoping that the increase in credit lines and drastic decrease in utilization would have had a greater impact on my scores.

However, I realize that I still have a lot of bad baggage. Time is my friend here.