My Fico scorewatch is bouncing around by 40+ points depending on how much credit utilization is showing at any given time. Since I am refinancing a mortgage, I signed up for a 3 month scorewatch. As a result, I am paying my bill mid-cycle and hoping that this payment strategy will keep my score up high. I have no lates and a fairly lengthy credit history. I have been quite surprised at the range in scoring. The fico forums have some interesting comments about scores and are worth perusing.