{"id":2948,"date":"2019-02-23T17:30:00","date_gmt":"2019-02-23T17:30:00","guid":{"rendered":"https:\/\/thezakariagroup.com\/heres-why-your-credit-score-is-dropping-for-no-reason\/"},"modified":"2019-02-23T17:30:00","modified_gmt":"2019-02-23T17:30:00","slug":"heres-why-your-credit-score-is-dropping-for-no-reason","status":"publish","type":"post","link":"https:\/\/thezakariagroup.com\/heres-why-your-credit-score-is-dropping-for-no-reason\/","title":{"rendered":"Here&#8217;s Why Your Credit Score Is Dropping for &#8220;No Reason&#8221;"},"content":{"rendered":"<div>\n<div class=\"typeset--default\"><img decoding=\"async\" src=\"https:\/\/cdn.apartmenttherapy.info\/image\/fetch\/f_auto,q_auto,w_640,c_fit,fl_strip_profile\/https:\/\/s3.amazonaws.com\/pixtruder\/original_images\/46cff4fcdfe77fcaf9b85928124264a90a51705d\"><\/div>\n<p>\n\t You consider yourself responsible with credit: You pay your bills on time and you don&#8217;t rack up any major credit card debt. And since you&#8217;re looking to apply for a mortgage sometime in the near future, you&#8217;ve been actively monitoring your credit. But since you&#8217;ve checked last month, your score has gone down.\n<\/p>\n<p>\n\t What gives? Why is your score acting so sensitive? <em>Sheesh.<\/em>\n<\/p>\n<p>\n\t Time to play detective: The first step in cracking the credit mystery is understanding what factors affect your score, and by how much.\n<\/p>\n<p>\n\t Here are the five factors that make up your score, according to <a href=\"https:\/\/blog.myfico.com\/5-factors-determine-fico-score\/\">FICO,<\/a> a popular credit model:\n<\/p>\n<ul>\n<li>Payment history: 35 percent<\/li>\n<li>Amounts owed: 30 percent<\/li>\n<li>Length of credit history: 15 percent<\/li>\n<li>Credit mix: 10 percent<\/li>\n<li>New credit: 10 percent<\/li>\n<\/ul>\n<p>\n\tNow, within each of those categories, there can be surprising nuances that may cause your scores to fluctuate. I asked credit and finance experts to explain some of these lesser-known reasons your credit score may be dropping. Here&#8217;s what they said:\n<\/p>\n<p><a href=\"https:\/\/www.apartmenttherapy.com\/why-did-my-credit-score-drop-267213?utm_source=RSS&#038;utm_medium=feed&#038;utm_campaign=Category%2FChannel%3A+Main\"><strong>READ MORE \u00bb<\/strong><\/a><\/p>\n<\/div>\n<p class=\"wpematico_credit\"><small>Powered by <a href=\"http:\/\/www.wpematico.com\" target=\"_blank\" rel=\"noopener noreferrer\">WPeMatico<\/a><\/small><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You consider yourself responsible with credit: You pay your bills on time and you don&#8217;t rack up any major credit card debt. And since you&#8217;re looking to apply for a mortgage sometime in the near future, you&#8217;ve been actively monitoring your credit. But since you&#8217;ve checked last month, your score has gone down. What gives? [&hellip;]<\/p>\n","protected":false},"author":101010,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[144,145],"tags":[],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Here&#039;s Why Your Credit Score Is Dropping for &quot;No Reason&quot; - The Zakaria Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thezakariagroup.com\/heres-why-your-credit-score-is-dropping-for-no-reason\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Here&#039;s Why Your Credit Score Is Dropping for &quot;No Reason&quot; - The Zakaria Group\" \/>\n<meta property=\"og:description\" content=\"You consider yourself responsible with credit: You pay your bills on time and you don&#8217;t rack up any major credit card debt. And since you&#8217;re looking to apply for a mortgage sometime in the near future, you&#8217;ve been actively monitoring your credit. But since you&#8217;ve checked last month, your score has gone down. What gives? 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