Two years ago mine was 795.
Then last year it slipped to 697.
I didn’t do not a single freakin thing different last year, so I don’t know what the deal was. But it’s still pretty good, I guess.
I’ll bet something was different:
Did you:
-close a credit card?
-open a credit card?
-do either of the above and change the ratio of credit card balances vs. total credit limits?
-pay off or add a new loan account?
-7 years ago, did you have a credit card with a large limit that has been closed for a long time? If so, it reached the 7-year mark and dropped off which could negatively impact your score.