Why Did My Credit Score Drop 66 Points with No Changes?

If you find yourself asking question about Credit Score Drop , you’re not alone. A sudden drop in your credit score can be alarming, especially when you have made no changes to your credit habits. However, there are several reasons why this could happen.

According to experts, a credit score drop of 66 points can happen due to various factors, including:

  1. Your balances got too high: A high credit utilization rate can negatively impact your credit score. If your balances on credit cards or loans increase, your credit score could take a hit.
  2.   You closed a credit card: Canceling a credit card reduces your available credit limit, which in turn increases your credit utilization. This can have a negative effect on your credit score.
  3.   You missed a payment: Payment history is a crucial factor in determining your credit score. Missing a payment or paying late can have a significant impact, particularly if it’s a recent occurrence.
  4.   You applied for new credit: If you applied for new credit, it triggers a hard inquiry on your credit report, which can temporarily lower your credit score.
  5. There was an error on your credit report: Mistakes happen, and errors on your credit report can bring down your credit score. It’s always a good idea to periodically review your credit report to ensure its accuracy.

If none of these reasons applies to you, it’s possible that there was an error made on TransUnion’s part. In that case, it’s important to dispute the error and have it corrected.

Why Did My Credit Score Drop 66 Points with No Changes

Remember, a credit score drop doesn’t have to be a permanent setback. There are steps you can take to improve your credit score. These include paying down balances, making payments on time, not applying for new credit, and checking your credit report for errors.


A sudden drop in your credit score can be distressing, but don’t panic. Look at the possible factors that are affecting your credit score, take action to correct any errors, and work on improving your credit habits.

About Author

Dhiraj Jha
Dhiraj Jha
As a personal finance and credit cards expert, I provide valuable insights and advice on budgeting, saving, investing, and debt management. I am also an expert on credit card rewards programs and help readers make informed decisions about which cards are right for them. My goal is to help people improve their financial literacy and make better financial choices.