<prompt> Human: Hello everybody,I noticed my FICO score has gradually been going down month to month almost 50 points this year.I have NEVER missed any payments and NEVER had anything go into collections. According to my Experian credit report my oldest account is 6.6 years and avg account is 3 years old. dont know if this mattersMy revolving debt is 10.5kMy revolving credit limit is 14.3kRevolving credit usage is 74Real Estate debt is 0Installment debt 29.2kTotal debt 39.7kThis past year I have had about 9 credit inquires done for all various reasons but a majority was for when I was looking for a new car.I put on 7k debt this year with 2 new accounts, one of them for school and the other a store credit card.I cant think of anything else to tell you guys. If you need to know anything else ask me and I will tell you.Can you guys please help me understand what can be causing my FICO score to suddenly go down this year? Thanks a lot!  <response>: I put on 7k debt this year with 2 new accounts, one of them for school and the other a store credit card.Youre amassing debt and have a high credit utilization. And youre looking for a new car, which is even more debt. How could you expect your score not to go down? At this rate youll have no credit in 6 months and will be defaulting on loans shortly thereafter. 