Strange that your score decreased and there is NO other changes on your account history?
Did you recently have a "new" account show up that you are not aware of? Possibly a late?
Changes that drastic for the negative usually have something that is a blaring item which would cause it.
Be sure to scour your report and see if the information reporting is correct; no history has changed, no new account is showing up or anything like this as they can all cause quick negative changes in the score.
I don't believe that this would be an issue of changing from one "bucket" to another if nothing else has shown up but you never know.
As long as teh payments are posting and the credit card companies are reporting current activity and you are growing your history with them then no the "non-use" of the card is not affecting you. This of course is assuming that you do have a small blance on the accounts that you are paying down.
Once paid off just make sure to use them every month or two to keep them active and continue to grow your history.
wyattm wrote:
Hi,
I am very confused on the fico scoring. I have read about it on this site, but still confused. I have paid down all of my balances on my cc's. I only have 4 of them with below 30%. I pulled my scores at the beginning of the month and again today. All scores have dropped approx 30 points. I don't understand it. Another factor I was curious about is the usage of your credit cards. I do not use them, but just continue to pay them down. Is not using my cc's hurting my score? My scores started out EX 656 now 623, TR 624 now 599, EQ 582 now 543. All show a decrease in debt so why the lower scores? Help please!!
