<prompt> Human: My Barclaycard CC updates me with changes in my FICO score as a free service. From April 2014 to April 2015 I went from a 702 to a 713. All of a sudden in June I get a notice that I dropped 6 points to a 707. I used annualcreditreport.com to get all 3 free credit reports and there has been no change in my credit history. No closed accounts, roughly the same credit debt on the same credit cards, all payments in good standing. I checked all the potentially negative items on all the reports and there is nothing.Is there something Im not considering?  <response>: Six points? Who cares? You probably spent more that month and had a higher utilization. 