<prompt> Human: I have a BoA credit card, a Discover credit card, and an auto loan. No missed payments, low revolving utilization. Both BoA and Discover allow me to view a monthly credit report without penalty. The reason for the drop compared to last month is listed as low age of accounts, but that doesnt make sense. All my accounts are fairly new because Im young, but its not like they got newer, they should be a month OLDER now.  <response>: your spending habits change month-to-month, credit utilization follows. for the rest of your life, your credit score will fluctuate. sometimes, it will drop. sometimes it will rise, and UNLESS the credit report says something concerning...there is absolutely no reason to get upset over a 30pnt drop. Over time, if you are a responsible credit user, your score will always trend upwards. 