Here's Why Your Credit Score Is Dropping for "No Reason"

You consider yourself responsible with credit: You pay your bills on time and you don't rack up any major credit card debt. And since you're looking to apply for a mortgage sometime in the near future, you've been actively monitoring your credit. But since you've checked last month, your score has gone down. What gives? Why is your score acting so sensitive? Sheesh. Time to play detective: The first step in cracking the credit mystery is understanding what factors affect your score, and by how m...