As you work on building your credit, it’s normal to see small ups and downs over time. Credit scores are determined using a variety of factors based on activity across all of your credit accounts. Some of the factors used to determine your score include:
Credit Age - how old your credit accounts are
Payment History - your track record in making on-time payments
Credit Mix - the variety of credit accounts you have (i.e. car loan, credit card, home mortgage)
For more information on how to improve your credit over time, check out these blog posts: