There isn’t anyone at Intuit that you can talk to you about your credit score. Each of the three credit bureaus offers a subscription service that will give you one of your “official” FICO scores and may provide more specific information about why scores change.
Remember that your credit score is just a crude way that lenders have to evaluate your ability to repay the next loan you apply for. A credit inquiry will lower your score a little bit because if you are applying for loans, that makes you look riskier to other lenders. Having a need for more credit might suggest that you are in a situation where you have less ability to pay your bills. Many companies will do “soft“ inquiries on your credit, such as to screen you for an application for a new credit card. A company should not do a “hard“ inquiry unless you’re actually applying for a loan. soft inquiries do not lower your credit score but hard inquiries do. If a lender has performed a hard inquiry without you having applied for a loan, you should contact both the lender and credit bureaus to dispute the item.
Your credit score can also drop temporarily just from using your credit cards. If your monthly charges use up more than about 25% of your credit lines, your score will be lower on those days, even if you pay the bill in full every month. (Your score would be higher on the days when you have zero balance, of course.) I believe the Turbo app and website update your credit score every two weeks, so if it catches you on a day when you have a high balance and have not paid your bill yet, it will show a lower score until you pay off the credit card.
