Credit Karma score just dropped unexpectedly?

EasyToAssemble01

I'm currently tracking my credit ratings via a few trackers, including Credit Karma. My app is telling me my score just dropped 34 points, but I have no idea why. The report says I should up my credit limit, but my utilisation has been around 10% for the past 3 months.  I have switched current accounts in the last 3 months, but it has already recorded that, and didn't register that as an issue before.

I assumed my rating would be based on a % of my utilisation, not the actual limit.  Is that not the case?

Is this just a quirk of this particular credit agency?. It's annoying, as I'm following all the guidance, yet my score has now dipped lower than when I started this rebuilding farce.

ItsComingRome

Your score doesn't matter.

Ignore it and get on with your life.

cymruchris

Mine did too. It happens. It'll likely go back up next month. Or down. Or up. Or sideways.

DCFC79

I shouldn't worry about it as no one eg lenders, banks, utilities don't even see it.
As long as the data on your file is correct and no applications not made by you then that's all you need to worry about.

sourcrates

Again, may I respectfully refer you to the sticky post "what your credit score really means" at the top of this forum.

Thanks