Turbo doesn't really give reasons why your score changes other than generic principles. Your score may drop with increased credit usage -- using your credit cards a lot will increase your usage and temporarily drop your score even if you plan to pay the card off in full. Applying for credit can temporarily drop your score. Closing old accounts can drop your score since they decrease the length of your credit history. There are a few other things, only you know what has changed in your financial situation.