Rainbow I googled it and it said, applying for a new credit card, using more of your available credit, paying off a loan( that seems wrong) a mistake by the credit report, closing a card, or a late payment. But it sounds as if you’ve already ruled those out? I know my credit went down when I paid off my car early. I don’t know of anything else.
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Nammu
…Beyond a wholesome discipline, be gentle with yourself. You are a child of the universe no less than the trees and the stars; you have a right to be here. …...
Desiderata Max Ehrmann
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