Credit score
I'm confused. Why does the score sometimes drop (credit karma, chase credit journey...etc) for no reason? I'm not spending more or having late payment why is that?
Luckily I don't need credit. Credit is evil.
I'm almost always <10% utilization. Does it matter if you go from...say 5% to 7%?
How much did it drop? Mine goes +- few points but nothing major.
-8 points
New card/closed an old card? Otherwise small fluctuations are normal.
the less available credit you have the more sensitive your score is to minor fluctuations. get a secured credit card build your limit up
subscribe to the subreddit /r/personalfinance read the sidebar that will take you a while then lurk a lot read top posts. the place is a goldmine for how to fix your finances.
How much does getting pre approval impact?
every pre qualification hurts
How much?
My credit score drops by 50 points if I leave my cards on full autopay and don't cover them before statement cut. It just means that score is bullshit.
Varies depending on the weather
those scores are bullshit based on vantagescore and not on fico
Most likely your credit utilization is increasing.