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865guy

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Why did my score drop?
My credit sore was 710 and dropped to 678. Why is that if I haven't been late on anything?

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Some ideas...

Have you upped the balance due on your credit card? If you keep your balances under 10% of your total credit card limit (for every card), that's good. If you go above that, then it represents a ding on your credit utilization. Have you closed a credit card or account recently? That drops the total available credit, which also means a drop. Also, check your credit report for any new items that may have appeared.

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