I had a 640 credit score when i purchased my vehicle in February of this year..?

6 months later with NO LATE PAYMENTS, my score has dropped more than 100 points, please explain how the hell this can happen, if you are making payments on time.. I didn%26#039;t know making payments on time hurt your credit... And no i haven%26#039;t applied for anything else so that is not one of the reasons that it dropped..

I had a 640 credit score when i purchased my vehicle in February of this year..?

Has it been a full 6 months or almost? That will make a big difference. Make sure your balances on your credit cards are less then 30%. The top of your credit report will tell you why your score is at that level. Might say something like balances on revolving debt too high.

I had a 640 credit score when i purchased my vehicle in February of this year..?

maybe your debt-to-income ratio is out of whack? Maybe you have too much open credit, ot not enough? There are lots of factors that go into your score, and the bureuas do not publish their formula.

But, it really does not matter. Don%26#039;t worry about your score unless you are getting ready to make a big purchase and need it. Just keep making your payments and it will improve.