I had to put a credit freeze on my accounts when I got notice that my information might have been compromised.  As a result of this, I get alerts every time there is a change in my credit score.

I recently did a big balance transfer to one of my credit cards to take advantage of lower interest rates, in an effort to save money.

This meant that I now carry a high balance on one card, which, along with some other factors, caused my credit score to drop from 710 to 686. I am quite annoyed by this but I am glad that I have the information.

I do not plan on getting any new lines of credit any time soon, so the score should be going back up with careful management of payments and use of other lines.