1. Your credit utilization changed
2. You missed a payment
3. Your credit limit decreased
4. You closed a credit card account
5. You paid off a loan
6. You recently applied for a credit card or loan
7. You opened a new line of credit
8. You recently experienced a bankruptcy or foreclosure
9. Your account was sent to collections
10. Your co-signer on a loan or credit card fell behind on payments or has a high balance
11. Your identity was stolen
12. You have an error in your credit report
10/31/23
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