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AZJonnie

(2,268 posts)

5. Is it very small but as the article says, the main concern is that its the reversal of a long trend upwards

Reply to Silent Type (Reply #1)

Wed Sep 17, 2025, 01:37 PM

Sep 17

I will say though that in practice, it's really a LOT easier for any given individual to see a large reduction in score vs a large increase in score. Takes forever to boost it much, and a day to crush it by 50 points, or more.

The point about 2021 is good one though, I imagine a great many people used stimulus to pay down debt and hence increase their credit score.