It is completely normal for your credit score to fluctuate. Information in your credit reports is updated as it is reported to credit bureaus.

If you did not change the amount you owe, perhaps your credit company has increased or decreased your total credit limit.

While the exact formulas used to calculate credit scores are proprietary, the new FICO® score is reported to give more weight to rising levels of debt, higher debt utilization (the ratio of the amount you borrow relative to the amount of credit available to you), and late payments.

If you have not used your credit card for a number of months, it might show too little activity, which can result in a credit score drop.

A zero balance means an inactive account, which helps your score in the short run but poses risks long-term for your credit score health.

We advise to keep unused accounts with zero balances open for the reason that closing the accounts reduces your available credit, which makes it appear that your utilization rate, or balance-to-limit ratio, has suddenly increased.

Changes in revolving credit balances and new payment behavior are the most common factors that can cause credit scores to fluctuate.