Checking your credit record is a important step to managing your money. Luckily, you can get a no-cost credit report annually from each of the three major credit agencies : Equifax, Experian, and TransUnion. https://www.quora.com/profile/Talbert-15/Why-Did-My-Credit-Score-Drop-9-Common-Reasons-and-What-To-Do-Next-Quick-Answer-Why-Did-My-Credit-Score-Drop-Y