The largest part of your score is reported debt. So if you have credit cards and charge a bunch of stuff one month and it reports that activity your score can move as much or more than 100 points in a month. Then lets say you pay off all your credit card debt and all balances report paid, your score moves up again as much as over 100 points. Figure roughly -12 points for every 10% of credit card balances reporting on your credit report. Whether you pay your bills or not these balances can still report. It is not unusual to see a 20 point movement. Understanding how this all works can give you an advantage to boost your score maybe another 20-40 points higher again. 