And I have no clue what I did. In the last three months, scores went from 631 to 596 to 653. I can assume that the drop from 631 to 596 can be attributed to a missed installment payment and a credit card being closed (part of CCCS agreement, 7K limit). Out of the blue, I pull my report this morning and I have a 653!! All bills are being paid on time. Credit card question: which credit card issuers pull Experian? I'm looking for a new car d with a decent limit. Thanks for any help you can provide.