Credit scores are a joke. Mine used to be 720 at one time and always hung around the 700 mark. I now sit at 583 and nothing has changed in my situation. I make payments every month on my cards and always more than the min. My credit to earnings is 18%. I have no clue why it has gone down so much. You would think your score would gradually go up when you make monthly on time payments. Then, when you check your score they offer credit cards to open at ridiculous interest rates or annual fees. Joke!