Is Your Credit Score Wrong?! – How To Check


High credit utilization score

Okay, so this is kind of tricky. You checked your score and it was great. You are someone who uses your credit card frequently, but manages pays it off every month. But, checked again a few months later and it was drastically lower. The card issuer may not have reported the new balance to the credit bureaus after the payment – meaning if you have an inquiry while the utilization is high, it will hurt you.