Credit score

I've been tracking my credit score for about a year now, and I've noticed it goes down when my credit utilization goes up, and goes up when that goes down. 

Basically when I buy more stuff on a credit card, and let that higher balance go to the next month, it goes down slightly. But if I budget what I spend, and then put money towards paying down the credit card, it tends to go up. 

It's also pretty dependent upon each persons credit report too - mine is pretty clean, no bad remarks or dings on it.

Disclamer, I track my credit report using the app I work on during the daytime, Turbo, which can be found in the app store of Apple or Google :) I've learned a lot working on the app for a year plus now. :)