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Other possible reasons include increased credit utilization, closing an account, or a new derogatory mark on your report.Checking your free credit score can help you narrow down why your credit score may have dropped.It can also be a good idea to keep unused credit cards open and only apply for new credit accounts when necessary.Finally, you might want to make sure your credit reports don’t contain any inaccuracies that can potentially hurt your scores.Your credit utilization ratio also plays a big factor in determining your score.

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Hard inquiries stay on a credit report for 2 years, but in general, the impact to your FICO Score will lessen after 1 year.

A credit score is a number generated by an algorithm using the information in your credit report and is usually updated each month.

Lenders and other service providers use credit scores to indicate your creditworthiness and how likely you are to repay a loan on time.

A payment method is also required to set up accounts for children.

Learn more about Family Sharing and Apple IDs for kids.

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