Monthly ups and downs of my Experian score

pieroabcd

Hi,
not that I particularly care for Experian's score, but i noticed this "feature"  that doesn't make even the slightest sense in my head.
My CC budget it £1500, but very rarely I get to use £100 of it.
What drives me crazy is that every time that from one month to the next there's a big percentage difference (say for example from £30 to £90) the score goes down by 20-30 points, even though the absolute difference is ridicolously low.
So, if from one month to the next I increased my expenses from 50 to 500 (10x) what would happen? -100 points?

In all cases my expenses are and would remain well below 50% of the budget, and still the score goes down.

This is absolutely total nonsense to me.

Shanwick

The Experian score likes to bounce around even if your credit used even goes from £0 to $10 with thousands of pounds of credit available. Don't let  that drive you crazy. In the UK the "scores" created by the CRAs are of no importance to lending decisions. The only thing that matter is the actual contents of the CRA files and how the contents is evaluated by the potential lender. - i.e. does their profile evaluation of your CRA files translate to a willingness to lend.

[Deleted User]

It's total nonsense because that is literally what the "score" is. Nobody but you sees it, whether it's 0 or 999 is irrelevant as no lender will ever see it or judge your application for finance based on the gimmick number. The only purpose of the score is to fool people into paying the CRAs for their "improvement" services because they know human nature is obsessive with numbers going up. Have a score of 500 and want 600? Pay us £10 a month and you can have it. The fact your score being 500 or 600 has no relevance to the real world doesn't matter if they are getting the money.