my report in credit expert shows after I did a $100 cash advance,my percentile from 41% down to 39%, my score from 671 down to 667 is that right? just $100 cost me 4 points?
It could be right. But creditexpert is not a "real" fico score and it counts for nothing. If you want to know your real score, go to www.myfico.com and order your scores. The average usage of available credit in the US is 37%. You are using 61%. Fico scores hate to see any usage above 50% on any individual card and on your total available credit. So being that you are quite a bit over 50% usage, every time your available credit decreases, your score will also. Start paying the cards down to below 50% used and your scores will increase.
