re: Reasons my credit score is dropping

Did you close any credit cards or get any new ones in the past six months? Did it drop on one specific month, or a few points over time? If you closed any CC accounts you could have dropped temporarily for less credit to your name, but probably not 20 points. Credit scoring is so fickle, there is not telling what the possibility is. Id pull your credit report on Annualcreditreport.com ( LINK) from all three agencies and check into the last few months. It will definitely tell you if youve had any identity theft. It's free, no cc required, and all three agencies are legally obligated to give you one report per year free of charge.