FICO Credit Scores to Drop for millions of Americans

Fair Isaac Corp., creator of FICO scores, will start reducing FICO scores for consumers with rising debt levels, those falling behind on payments and those taking out personal loans.
Why? In part because FICO scores for consumers have been rising since the end of the great recession so that many consumers have healthy scores when they are also carrying high debt levels. With higher scores, lenders granted them even more credit. With the longest recovery in history, maybe it's not a great idea to pile on the debt.
The changes reflect a shift in lenders' confidence in the economy and the fact that consumer debt levels are are record highs with many consumers relying on debt to fund their regular expenses (hint! consumers take note!)
While many consumers will see their scores fall, others will see an increase in their FICO score. 
Above 680 is consider a good score while below 600 is considered poor credit.
Fico typically revises its' credit scoring models periodically.
With lenders concerned about how long the recovery from the great recession will last, it's time for consumers to take note. 
A high credit "Utilization ratio" (using most or all of one's borrowing capacity) is always a bad sign.
Reminder: now is a good time to check the accuracy of your credit report (a report is not a score but reflects your current and past credit use. https://www.annualcreditreport.com/