I own @ halo
I did the annual check of my credit today just to verify that all was still well but my credit score has dropped a full 46 points in the last year (758 to 712). I have never missed or even been late on a payment but in the last year I have refie'd my van and bought a bike and opened like 2 credit cards. What can I do to get my score back up? I'm trying to build my credit so I can buy a house in the next 5 years but at this rate it looks like I'll have to wait a while longer, I was hoping to get my score above 800 before purchasing.