Thanks. I'll be sure to check out the link in your signature. I'll be sure to drop it down to 9% now then. I checked it out again on CK and came across this which seems to be because 2 remarks were removed from my account but I have no no idea what a remark it so I might have to research more about it. https://i.imgur.com/40qtgTn.png
Hit the plus mark and it will open it up and tell you about the remark. it looks like an old chargeoff updated and that probably caused the score loss.