Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for
Four points probably isn't too big a deal, it will probably be back up next month.
I've not opened any cards or had any inquiries or had more than a $45 dollar balance in the last few months, and always paid that on time and mine has fluctuated 7 or 8 points from month to month.
I think little fluctuations like that are due to the credit card companies reporting a balance and your payment hitting soon after that so it bumps up your % utilized a bit, but when that payment hits and they report again the next month it goes back to normal.