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My credit score has dropped almost 20 points?
My score has dropped almost 20 points since I last checked. Nothing has changed and I only have one open credit card (which payments are current). I have not had any credit inquiries, new credit cards, or anything else that would cause the drastic change in my score and even paid my car off since last credit check. When reviewing this site, it seems the more I try to repair my credit--the lower more score gets. I am making more money now and my debt-to-income ratio is the lowest it has ever been including the last time I checked my score. Makes no sense? Help if you can...

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