Why would a credit score drop with no changes to the credit file?

Credit and mortgage advice Forums Consumer Credit Improving Your Credit Score Why would a credit score drop with no changes to the credit file?

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      Anonymous
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      Bought a home 2 1/2 years ago and my score was XXX which gave me the best rate possible. 2 1/2 years later we are seeking to refinance, there have been no changes, additions, deletions, 1 car loan was paid off, but nothing negative or new and my credit score has dropped????



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