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It's upsetting to realize your credit score is not what you had anticipated; especially if you regularly make your credit card payments and had no idea your score could be suffering. The first thing to do, if you haven't already, is to get copies of your credit report from each of the three major credit card bureaus. This may tell you what's going wrong. It's possible that there is inaccurate information on your report that is negatively affecting your credit. It's estimated that 80% of credit reports contain at least one mistake. However, it’s also possible that you have some blemishes on your credit history that have nothing to do with miss payments. You may have inadvertently closed one of your longstanding accounts, causing you to lose some length of credit history. Or you might be using almost your entire credit limit, maxing out your cards and maintaining a very high debt-to-available-credit ratio. There are many reasons your score could be low; you will have to look into it to find out exactly why.