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I had the same thing happen with the bank also. Infact they raised my credit line with out asking. I had to go in and have them lower it and when I had credit cards they would raise the limit all the time. I had to call them and have them lowered or put a freeze on the card so it they every got stolen they couldn't get max out at some high number.

Credit scores are base on :

Payment history:
A good record of on-time payments will help your credit.

Outstanding debt:
High balances in relation to your credit limits can lower your credit score. Aim for balances under 35%.

Credit account history:
An established credit history makes you a less risky borrower. Think twice before closing old accounts before a loan application.

Recent inquiries:
When a lender or business checks your credit, it causes a hard inquiry and a slight ding to your credit score. Apply for new credit in moderation.

The rest of a credit score is based on factors like the length of a borrower's credit history, the types of credit he has, and how much new credit he has recently applied for or obtained. The longer an individual has had credit in good standing, the more reliable he is deemed to be. Individuals with a mix of credit types, such as credit cards, mortgages and other loans, are also viewed to be more responsible and will have a slightly higher credit score.

The older I get the lower my credit score is going to be since I don't want to have debt to worry about. You can buy a house with no credit history, my son did. He show his rental history to the bank and got the loan. Credit scores should be base on what you have payed off and closed rather what you owe. Insurance companies and other companies have no business basing their rates on a credit score. We should be able to rate them instead. The insurance companies have some of the most expensive buildings in every town across America.