What REALLY grinds your gears?

[MTK]

Originally Posted by mredskins

yeah it is odd but unless you are trying to purchase a home i wouldn't worry to much; 20 points isn't that big a deal.

you may want examine your total credit limit; do you have a bunch cards just sitting there with high credit limits (meaning its a card with $10K of credit but you have $0 charged to it)? But also don't close a CC that you have had for a long time because they like to see a long history of credit, its so a double edge sword.

Only credit cards I have are ones I use. I haven’t closed any accounts.

The only thing I can think of is the student loan pause but that’s not supposed to hurt you.

I’ve done a free credit report check and everything looks fine, it’s really odd.

[Giantone]

Originally Posted by MTK

Only credit cards I have are ones I use. I haven’t closed any accounts.

The only thing I can think of is the student loan pause but that’s not supposed to hurt you.

I’ve done a free credit report check and everything looks fine, it’s really odd.

Same here. Credit cards (3) all paid in full every month but this month I did put a nice car repair on one which was paid in full at the end of the month but the rating took a hit of about 5 points.