Hi all, newbie here.

Saw this thread and thought maybe I could contribute a bit.

I too recently experienced a bizarre fluctuation in my score (815 down to 779) but it has since returned to what it was and all is fine.

I wanted to post in response to the mention above about taking a hit because there is no balance on your card (despite the fact that you are using it).

I am a traditional deadbeat, I don't "use" credit cards, I charge a few recurring monthly bills/charges to my one card and that's it. I know when the last of these hits the card and I pay the balance then - since posting range of these charges runs from about the 26th or so through the 4th of the next month, and I pay it as soon as that charge from the 4th hits, there is really only about a week of the month when a check would see any balance at all on my card.

GET TO THE POINT!!

sorry

On the most recent FICO report I pulled is a "negative factor" I have never seen before (and I check my credit relatively often).

The line reads:

"You have no recent revolving balance information being reported."


so although it certainly doesn't appear to be "hurting" me, it nonetheless does seem to have become a factor.