Your Credit Score Dropped? Here’s What Really Happened — And How to Fix It

Imagine this: You’ve just returned from a dream vacation. Sunsets over the ocean, spa days, maybe a little shopping (because, hey, you deserve it!). You’re still savoring that post-vacation glow when you check your credit score — and yikes! Your stomach sinks. A few points lower than before. “No way,” you think. I paid everything…