Credit

No one else can look at your file here.

One common thing is that if you use your credit cards, your score can temporarily go down even if you pay them off in full at the end of the month.  For example, if you start the month with a zero balance on a card with a $2500 limit, and you charge $500 worth of groceries, you are now using 20% of your credit line instead of 0%, and that will cause your score to drop a bit.  Your credit score is calculated based on your exact position on the day it was calculated, and Turbo updates every 2 weeks, I think, so sometimes it might catch you with a low balance and other times it might catch you with a high balance.  Small changes like this are not really important.