# Credit score dropped w/o any reason

**URL:** <https://community.clark.com/t/credit-score-dropped-w-o-any-reason/9918>\
**Category:** Uncategorized\
**Created:** [October 6, 2026, 4:38pm UTC](https://community.clark.com/t/credit-score-dropped-w-o-any-reason/9918 "2026-10-06T16:38:52Z")\
**Posts on this page:** 5\
**Page:** 1

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**Author:** ![AustinBonds](https://avatars.discourse-cdn.com/v4/letter/a/6bbea6/32.png) [@AustinBonds](https://community.clark.com/u/AustinBonds)\
**Post date:** [October 6, 2026, 4:38pm UTC](https://community.clark.com/t/credit-score-dropped-w-o-any-reason/9918/1 "2026-10-06T16:38:52Z")

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I have a freeze on my credit. I pay off my credit cards before finance charges occur. Credit utilization is very low ( 1% maybe at any given time). This past week, my score dropped 37 points. Tried getting ahold of Experian, Equifax, TransUnion but all I get are automated responses. No live persons to make an inquiry with. The credit freeze should keep my mind at ease but a precipitous drop in credit score makes me wonder if the scoring algorithm is messed up. I’ll check my score in a few weeks to see if this is a glitch. What can I do otherwise?

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**Author:** ![ole1845](https://avatars.discourse-cdn.com/v4/letter/o/e495f1/32.png) [@ole1845](https://community.clark.com/u/ole1845)\
**Post date:** [October 6, 2026, 5:47pm UTC](https://community.clark.com/t/credit-score-dropped-w-o-any-reason/9918/2 "2026-10-06T17:47:48Z")

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If it’s in the high 700s to 800s don’t worry about it. Doesn’t matter.

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**Author:** ![AustinBonds](https://avatars.discourse-cdn.com/v4/letter/a/6bbea6/32.png) [@AustinBonds](https://community.clark.com/u/AustinBonds)\
**Post date:** [October 6, 2026, 11:21pm UTC](https://community.clark.com/t/credit-score-dropped-w-o-any-reason/9918/3 "2026-10-06T23:21:39Z")

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yeah, it is that range. Thanks.

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**Author:** ![charlieg](https://avatars.discourse-cdn.com/v4/letter/c/ebca7d/32.png) [@charlieg](https://community.clark.com/u/charlieg)\
**Post date:** [October 7, 2026, 5:15pm UTC](https://community.clark.com/t/credit-score-dropped-w-o-any-reason/9918/4 "2026-10-07T17:15:33Z")

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What ole said. I’m in the same position - no balance except for monthly expenditures, etc. I usually average around 820-840. Like you, I have my credit frozen. Experion sends me email alerts every time I pay off my cards: “Your balance has decreased!!!” as if I’m supposed to panic. lol

I regularly see if going up and down by 25 pts. Since I’m semi-retired and am not planning on major purchases I need a loan for, I don’t care. Whoever you call at the credit bureaus are likely not to know either.

Note: remember that if you freeze your credit, it’s hard to change gas suppliers. That nailed me last month. 🙂

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**Author:** ![p1g1](https://avatars.discourse-cdn.com/v4/letter/p/cab0a1/32.png) [@p1g1](https://community.clark.com/u/p1g1)\
**Post date:** [October 7, 2026, 6:20pm UTC](https://community.clark.com/t/credit-score-dropped-w-o-any-reason/9918/5 "2026-10-07T18:20:48Z")

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> [@AustinBonds](#):
>
> I’ll check my score in a few weeks to see if this is a glitch. What can I do otherwise?

Likely not a significant issue. If the drop persists consider checking your credit report to make sure that that there is not an incorrect item on your credit report. If there is find a prediction model that take bets on how long it takes to credit bureau to respond!