<prompt> Human: Hey there reddit, long time lurker, hope you guys can help us out here. My girlfriend and i are looking for apartments since shes got a new job, but her credit score isnt the best, but its not horrible. She went to check it today and noticed it dropped 13 points, she says the she gets monthly credit updates through Citi that she checks that does not affect her credit. Were confused as to why its dropping. She has 3 credit cards; A citibank credit card, an American Airlines AAdvantage card, and a Victorias Secret card. The citibank card and the AA card have a lot of debt on them, but shes paying off the minimum on auto pay every month, the VS card hasnt been used in months, but has a zero balance. She called her bank to see if everything was ok, and they said everything looked good. She does have a ton of student loans, but she said theyre not due until December. At this point were stumped, is there something were over looking? Thanks!  <response>: Credit score is like water weight. It fluctuates. 