Yes, I've read it , but I'm still confused. The only thing that changed during that month was that one of my cc raised the limit from $2000 to $3500. I didn't charge anything so the balance didn't change, just the limit. Also that was the first month when there was the big drop, not the second when there was another smaller drop. I haven't applied for anything so there also shouldn't have been any inquires and I haven't made a late payment on anything since my BR. I've also looked at my CR and the only derogarory thing on there is my BR, which was there all along. Am I missing something?