In XXXX of 2015 I bought a Truck and my Score was XXXX. On XXXX XXXX of 2015 my score went down XXXX points and on XXXX XXXX my score went down another XXXX points and no one at any of the agency 's can tell me why. I do n't understand XXXX points in 10 days with no activity except payments made on my credit card and my truck. I had my credit cleared except for XXXX Items which are XXXX XXXX, XXXX XXXX, and XXXX ( XXXX ) which were settled over a year ago and my score has remained steady for that year.