Because you paid it off.
Sounds weird but true. If you owe money and are keeping up with payments.....you are a darn good risk. If you have no debt.....you might not be that great because you aren't paying any debt.
Heck, I have watched my score fluctuate by as much as 40 points just from normal monthly credit card activity.
I used my card for business expenses. Score skyrocketed. Paid it off, dropped below my average.
