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How can I find out why my credit score went down when nothing changed?
My credit score went down 5 points in 3 months but nothing in my credit changed except the balance I owe on my car is a little lower, I paid down a credit card & all payments were made on time - all good things, I thought. I do see one hard credit inquiry and one derogatory remark, but How can I find out where those are coming from b/c I haven't tried to buy anything & I think I have a right to know who left the remark.

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