It's difficult to answer without looking at your detailed credit report. However, usually I find that swings in credit scores (with no changes in what loans/lines/cards you have) are due to the difference in reported balances on credit cards. Let's pretend you have one open credit card with a $10,000 limit. That credit card company reports your balance periodically. So if you checked your credit score a month ago and the last reported balance on your card was $2,000, the credit report will factor in that you were using 20% of your available credit limits which is pretty low. Now you check again today, and let's say that the last reported balance outstanding on your card was $3,000. As of that date you were using 30% of your available credit limit - still pretty low, but not nearly as low. All other things being equal, your credit score this month will be a little lower than last month's. Here's a good Experian article on credit utilization: https://www.experian.com/blogs/ask-experian/credit-education/score-basics/credit-utilization-rate/.