it make me confused. I tracked my FICO score these days, my credit information is the same just like before, no new credit card,bill paid on time. the only thing changed is the available credit, from 61% up to 64% I tranked the score to see if it will up 1 or 2 points . what make me surprised is the score is down 10 points!from 667 to 657 can anybody explain this thing?