I check my credit card statement online several times a month. It has a very nice feature on my statement page that will tell me my FICO credit score. I checked it last week, it had gone up a bit. Yay. I checked it today. It had dropped 52 points. WHAT??? I have had no late payments. I have no idea why it has dropped so dramatically.
What is really bad about it is that there is basically nothing to be done. We are all at the mercy of the credit agencies.
I've been working really hard in the last year to straighten my credit so I could buy a house at some point. Fat lotta good its done me.