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.