Originally Posted by
Yuri-G
the biggest reason is what djzombie referenced - fraud. a big drop can indicate fraud. otherwise, it's still good to plan for the future if you're going to eventually buy a car, house, get a business loan, etc.
that said, I just checked an official, thorough credit report and literally nothing on there is inaccurate or could possibly explain this drop. my working theory right now is either that I carried a gigantic balance on my credit card for a month and it got reported even though I paid it off before the due date (which is true, I was on vacation and spent like crazy) or that the card that was closed in November of last year but kept reporting payments (of 0 on a 0 balance lol) until January somehow affected it? really no idea. also gonna cross-reference my bank's credit score reporting app that gives me "possible reasons for the score" with my credit report and see if anything lines up. otherwise it's just... IDK. there are ways to improve your score, it might be time to actively pursue that. 750+ is fine and all but DAMNIT I AM BETTER THAN THAT
gonna hold off on the other two bureaus and check in a couple months if the score doesn't go back up (or sooner if it drops again). it might be that the one I ordered is missing information.