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Q: Why is my credit score fluctuate by 3-5 points on a month to month when I paid the bills on time, not a credit application , and had no problem with recovery of the debtors
a: There are some other factors that affect your credit score, apart from paying your bills in time, a credit application, and no overdue accounts. As you pay your debts, the amount of available credit increases. Conversely, when you spend more than you pay in a particular billing cycle, your available credit shrinks. The available credit is an important factor in determining your credit score. Another important factor is the length of your credit history, which, obviously, is still growing. More your credit history, the higher your credit score will be.
It is normal that your credit score a few points to fluctuate, and it is not a concern. It is much more important to keep an eye on your credit report to ensure that no fraudulent accounts are opened in your name, and that the credit bureaus do not report inadvertently false information about you.
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