[rwest]

In December, I bought over $3,500 in EFI parts and a few Christmas extras. My normal spend on my credit card is about $2,000 a month and like most of you, I pay it off every month.

After that monthly increase in spending, my credit rating dropped 30 Points! I of course paid off that $5,000 plus bill before my payment due date.

Today I got a notice that my credit rating went up 25 points! Just crazy.

I do think that my credit union removed my home equity line of credit from my account since I haven’t used it in over 15 years, so that likely makes a couple thousand dollar credit usage a big percentage of my available credit.

Any of you seeing such volatile credit scores?