back in December i had a score of 682 and things were looking very promising. had zero balanced on credit cards, current auto loan and multiple trade lines all reporting good.
12/24 charged $307 to a card with an $1800 limit, score dropped 12 points to 670
12/30 paid off car loan( trade in) and score dropped 12 points to 658
1/03 new car loan was reported and score dropped 15 points to 643
1/21 balance on an acct dropped by 76% no score change
1/27 balance increase of $75 on an acct (was zero balance) score dsrops 4 points to 639
2/2 a new inquiry was added (Cap one card approved) score went up 6 points to 645
i've tried everything from paying cards off to carrying a small balance and there seems to be no rhyme or reason to the score changes. the paying the car off and buying a new car really surprised me.