you won't find the answer here. this is an income tax forum anyway, it's the 3 rating companies that compute your score based on various factors and only they know what changed to lower your score. but here are a few of the possible reasons:
did you finance or refinance a home or vehicle
have you been paid late or missed a payment
did you request a credit limit increase
your credit utilization factor has increased. it's is the amount you owe on your cards vs. your credit limit.
did you close a credit card account
did you loose your job
@Bowers23 wrote:
Credit dropped 70 points and don’t see why. Wondering what is holding it back and how do I raise it?
You should first obtain your credit reports (free of charge) from the link below and review them carefully.
https://www.annualcreditreport.com/index.action
You can check the link below for information on how to raise your credit score.
https://www.experian.com/blogs/ask-experian/credit-education/improving-credit/improve-credit-score/
I’m Military so my pay hasn’t changed and I have no credit cards.
Have a car loan and school loan and both have been paid on time for 2 years plus on time
contact the reporting agency. they will be the only ones to know why. as i said this is a tax forum. we have no access to your tax return or credit reports.