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3

Credit scores don't calculate in real-time. It's likely that your score dropped 12 points when your utilization was reported at 19%. It hasn't been recalculated at 2% utilization, yet; if at all. You'll probably not be at 2% utilization when it's recalculated. Yes, these credit score trackers know you're at 2% utilization but the credit bureaus haven't ...


7

I don't know how detailed the reports are that you get, but there are factors that can change daily that can swing your score slightly. The average age of your credit accounts is one factor that can change daily. I have also seen anecdotal reports (most credit score algorithms are "black-box" to reduce gaming the system) that a 0% utilization on an ...


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