<prompt> Human: Over the past few months, my credit score has been steadily declining from 750 to 687 I get a FICO credit score with every credit card statement. I have never been in debt, and I have never missed a payment. I ran 2 credit reports, and neither of them show any negatives on my record. Why is this happening?Additional information: My credit card is my only line of credit I have open, and I have had it for a little over a year.  <response>: Your limited amount of credit means utilization will factor in more is my guess. Or you have some older accounts falling off your report. Or they are using different models. 