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That's a good point. I hadn't considered that since the ScoreWatch software specifically said my score had dropped because a previously inactive card had become active.

I was curious if anyone knew if using previously inactive cards does, in fact, drop your Fico since I had never heard this before.

I'm not worried about my score dropping, but I would like to know why it did for no reason other than idle curiosity.

I understand curiosity.

Credit reports must give reasons that your credit score is lower than perfect. The higher the credit score, the farther they have to reach to find a reason. To keep credit card active and considered part of your credit score, they need to be used every 2-3 months. That doesn't mean that if you haven't used a card for 3 years and suddenly use it that the first use might be considered a slight negative. Activating more credit might be a sign of potential financial issues. Tracking the change over the next few months would be interesting, but the change is so small it would be difficult to verify cause and effect.

The normal recommendation is to do nothing that affects your credit (other than paying on time and paying down balances) for at least 6 months to a year before applying for a mortgage. If someone's credit score is on the edge, that appears to include not activating an unused card in the last few months.

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