So I track my credit score on Credit Savvy… after a deal got posted here about getting free monthly alerts.
My score looks a bit like this
So as you can see, it took a dive in February. The thing is, I didn't do anything in February. There's literally nothing on my 'Credit Report Summary' that is newer than September last year.
I'm wondering if anyone else has a similar experience. Did the way credit scores got calculated recently changed or something?
I'm aware there's a bunch of things that can affect your credit score depending on what those things are, how much, alignment of the stars, etc. However I've done basically nothing in the last 5 months, and the score has been the same until Feb. Do you actually get penalized for not taking new credit cards/loans, etc? Never heard of that one before.