Other than paying down my car loan principal and being almost a year ahead on it, absolutely nothing else has changed. No new credit cards, no late payments, loans, job loss, etc… Nothing.
Yet over the last 3 months my Trans Union & Equifax scores have gone down 23 points. First they went down 16 points, then a month later they went down 7 more points.
I’m still at an excellent rating but it still baffles me. Not a thing about my economics or credit activity has changed whatsoever. Why would my scores go down?