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Sudden Credit Score Drop But Nothing Has Changed



  • Official comment

    Hi Lauren,

    Thank you for reaching out! I know an unexpected credit score drop can be alarming so I'm happy to provide some information about this.

    Credit scores are determined by several factors. Even if your credit utilization decreased, there may be other factors which caused your credit score to drop. I recommend reviewing your credit report carefully to search for other possible causes. You can do this by logging into your NerdWallet account and navigating to the "See your full credit report" section (found toward the bottom of the Credit Score page).

    These resources may also be helpful:

    I hope this context is helpful! If you have any other questions about your credit score or report, let us know at and we'll do our best to help. 

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    did you ask them to raise your line? even if not, there was likely an inquiry that is the reason your score dropped. it is most likely temporary. i notice my score change 20-30 with the seasons. no reason or excuse.

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