<prompt> Human: How did my FICO score drop 33 points in a month? Im 18 years old and have been paying all my credit card bills, in full, on time, every month. Could it have been because I reported my card as stolen last month? Who do I contact who has more in to this?  <response>: 33 points isnt anything to worry about. Going from 30 utilization to 0 will often get you 30-50 points. 