They said it was my FICO score..I havent been a big credit watcher but after what happened yesterday I am goign to follow it closely from now on. I just haven't opened any new lines and actually paid down a few cards in the past few months.

I was just more curious about the mechanics of the credit score and was wondering if my lease ending actually hurt me or if the ding I had for a few weeks from Verizon which was recently removed was what caused my credit score to lower which in turn lowered my score.

In all honesty I have not been pleased with my service from Chase and can't wait to get my Scwab and SPR cards setup. I am just waiting till next month to apply because I want to finish paying off my Chase card.