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The hangover is real today.
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Could you share your excel ?
Did you credit card usage increase month over month? Even if you pay them off in full by the due date, the statement balance still reports to your credit. This is the largest driver for short term credit score changes month to month.
I actually recommend to you all since your probably mathematically inclined. I reversed engineered the credit model to better understand it.
It should let you know why it dropped, log into one of your banks and check your score through them to see, or a credit card - really most banks give some insight to scores.
Sometimes they change the algorithms which changes the scores minimally
Did it say something along the lines of loan deferment? Credit karma said that for me one week and then it was automatically erased a week later. I think it only changed like 2 points so didn’t really matter anyway
It took me approximately 2-3 hours using excel. I would say it was well worth it because it’s no longer a mystery to me and I understand each component and the repercussions.
I found several things to do that were very easy to improve mine
Just be financially sound and pay your bills. IMO worrying about your credit is really just an exercise in futility. Not a whole lot will change and it won’t significantly affect 96% of people