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Sometimes your credit score shocks you by dropping for seemingly no reason.This can be discouraging and frustrating if you can't pinpoint a cause.You can find many sex chat sites out there, but very few of them really offer free sex chat without asking for a credit card.

Your credit card utilization rate is a snapshot of how much credit you're using, calculated by dividing your total credit card balance by your total credit limit.

If you're relying too much on credit, a lender could view that as a bad sign.

While Credit Karma doesn't calculate your credit scores, we can point out some of the factors that can affect your score, and you may be able to trace a drop in your score to one of these factors.

Carrying a significant amount of debt on your credit cards could be one reason why your score dropped.

Tax liens, accounts in collections and bankruptcies are among the most serious things that can happen to your credit score.

Last modified 11-Jan-2020 21:33