Hi this makes no sense to me!
i have no debt, and my credit scores continue to drop!
You should check your credit reports (which you can get for free from the site below) for inaccuracies.
Some insight as to why your score is low without debt can found at the link below.
FICO credit score
1. 35% - Payment history: Whether you've paid past credit accounts on time
2. 30% - Amounts owed: The amount of credit and loans you are using
3. 15% - Length of credit history: How long you've had credit
4. 10% - New credit: Frequency of credit inquires and new account openings
5. 10% - Credit mix: The mix of your credit, retail accounts, installment loans, finance company accounts and mortgage loans
because you have no debt you would get low scores in 1,3 and 5 and high scores in 2 and 4
so you see having no debt can result in a low credit score.
Why do FICO® Scores fluctuate/change?
There are many reasons why a score may change. FICO® Scores are calculated each time they are requested, taking into consideration the information that is in your credit file from a consumer reporting agency at that time. So, as the information in your credit file at that CRA changes, FICO® Scores can also change. Review your key score factors, which explain what factors from your credit report most affected a score. Comparing key score factors from the two different time periods can help identify causes for a change in a FICO® Score. Keep in mind that certain events such as late payments or bankruptcy can lower FICO® Scores quickly
Now Experian claims to have "Credit Boost" which they say can increase your credit score merely by paying things like utility and phone bills on time. . that's their claim. I have not used it.