yep, it can change fast.

But it can change slow, too.

I once "broke the utilization rule" and went way over 30% across all my credit cards. My score dropped like 40 points all at once, and then came back most of the way when I paid off the balances in full, by the due date.

I've heard that you won't recover quickly from is delinquency. If you keep paying late, or worse just skip payments altogether, that is hard to correct.