system
anxious: My credit score has fallen by some 50 points in the last month. My debts are accumulating.
gpt
My credit score has seen a 50 point decrease in the last month. I think this is a result of my debt accumulation
human
Ouch.  Debt ration does play a big factor in the scoring.
gpt
Indeed. I think i need to be more careful with my spending and careful plan everything in detail
human
(*ratio)  I watch my score like a hawk.