Probably going to need more info from you but this thread might help...
Have any other open loans at the moment? If not. Your getting the no loan credit mix hit.
Just my car loan. I do something about a student loan being removed as well . But that was from 2012 , how could that cost me 9 points?
Small points moving around can be many things. Its hard to nail down lower point moves. Least it wasnt like 20 or more. I've lost that much when I passed 28% 1 month on a AZEO card. But it bounced back the next month when it went back to 5%. Just an example.