last week I checked my score and today I checked it again and it went down by 44point. why did this happen when i haven’t done anything and haven’t missed a single payment. Turbo will not explain to me the sudden decrease but will only display my score.
You should review your actual credit reports (free from the site below) for inaccuracies.
Have you applied for credit? Or do you currently have credit cards? Using more than 30% of your total credit (raising your balance) can effect your credit score, or maybe a past due account hit your credit report. But if none of this is true, check your credit report. Your allowed 1 free credit report from all three credit bureaus in a 12 month period. Late fees, closed accounts etc., can effect your credit, or having a joint account with someone else can as well, in both a negative and positive way.