<prompt> Human: I have multiple credit cards discover, chase, capital one and another visa through a local bank. Have paid every statement in full and have never accrued any interest. Have successfully received limit increases and kept utilization ratio low. So with this being said my credit score had been going up for a while into the low 740s but has dropped the past two months. According to FICO that is. I have no installment loans which they say plays a factor and the average age of your accounts is low. But these are not changing and the age only gets older. So why is my score dropping now??? I am concerned with this because I am looking to get a home loan soon.Assistant: Credit scores fluctuate. How much has it dropped?Human: Dropped 8 pts this month for reasons I cant figure out  <response>: Thats nothing. Credit scores fluctuate. Stop obsessing. 