What REALLY grinds your gears?

[mredskins]

Originally Posted by MTK

Credit score fluctuations. In the past year mine has gone from exceptional to very good, I haven't opened any new accounts or had any credit inquiries. My credit card balances are paid off each month with no balance carry over. No idea what's caused my score to drop 20+ points.

yeah it is odd but unless you are trying to purchase a home i wouldn't worry to much; 20 points isn't that big a deal.

you may want examine your total credit limit; do you have a bunch cards just sitting there with high credit limits (meaning its a card with $10K of credit but you have $0 charged to it)? But also don't close a CC that you have had for a long time because they like to see a long history of credit, its so a double edge sword.