We found a great article outlining the top three reasons according to Randy Mitchelson that Americans’ credit scores are dropping despite the fact that people are paying off their debts. The one that intrigues me most is the reason number three. The banks have lowered many people’s credit limits even if they have done nothing wrong. This caused their debt to income ratio to increase. Since debt to income utilization makes up at least 30% of their score, it causes it to drop through no fault of their own. The only way to protect yourself from this is to use no more than 30% of your credit limits and pay off your credit cards in full each month. Sadly in today’s economy, that is much easier said than done.