Checking your credit standing is a important step to financial health . Luckily, you can obtain a free credit report annually from each of the three major credit bureaus : 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