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Prettefree

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how can I find out why my score dropped? Yet nothing has changed on my credit report.
I just got a recent update that my score dropped 31 points. Yet nothing has changed? No new accts, no missed payments, nothing. How can I find out why my score took a nosedive?

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Top Contributor
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Of course something changed

Otherwise your score wouldn't have changed. Scroll down from the home page where both of your credit scores are shown. Any changes will be indicated. A paid loan or closed account could have dropped off after seven years as an example. Credit scores aren't stagnant. 

Top Contributor
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It appears that CK has changed the scoring model. Mine also dropped 30 points and no report changes occured. Cap one also went to Vantagescore 3.0, the new scores between sites are now matching, both lower.

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