My February credit score is 787 which is my highest ever. It was 770 last month and 782 the month before that. I’m not sure what is causing the fluctuation. It will likely be going down next month because I plan to transfer $4,900 of my 8.5% Grad Plus loan to my credit card that is offering me a 3.99% for life rate. My overall debt won’t increase but my credit utilization percentage will go up causing a reduction in my credit score.