Yes, I'm afraid this is a miscarriage. Hcg levels should always be rising early in pregnancy, never falling.
There is no bleeding because the miscarriage hasn't begun yet. Usually the bleeding and cramping and actual miscarriage occur weeks after a pregnancy has died.
Since you're quite early, the miscarriage symptoms will probably be fairly mild, maybe not too much more than an extra heavy period with extra cramps.
I'm sorry for your loss.
Do you have any other questions?
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