How can I have poor credit when I consistently pay my mortgage?

0 votes
My credit was ~750 1.5 years ago. Since then I've closed all my accounts except my new mortgage.  Today I checked credit and i'm at 629.  I don't understand what happened.  I did notice that an account I closed 2 years ago when I moved out of state, is stating I owe them $1 which is 30 days past due.  I don't think that would make that big of an impact.  Please advise.
asked Jan 20, 2014 in Advertising & Marketing by badcredit (120 points)
    

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