If your credit score dropped and you cannot figure out why, there is a good chance your credit utilization is behind it. It is one of the heaviest factors in your score, and it moves fast. You can drag it down in a single month and pull it back up just as quickly once you understand how it works. This post breaks down what utilization actually is, the number you should aim for, and the small timing trick that trips up almost everyone. What credit utilization really means Cred