My credit score has gone down almost 100 points in the past few months. I make timely payments (1 late) and almost always pay much more than the min. I really see no reason for this. Instead it should be going up. No deg. remarks either.
@cgmilliren - it's hard to tell why from the post, but I'll tell you why mine went down recently, mine went down because my credit utilization went up.. above 50% seemed to cause it to go down quite a bit.
That late payment you mention though might have also contributed to it. There don't seem to be any hard and fast rules that I've learned though when working on the Turbo iOS app.
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