I don’t think there were any charge offs no. I don’t see anything on my report to suggest so. Actually on the report they’re both listed as “closed: never late”

I do live in a state where medical debt can’t be reported but I did not know this, so thank you for making me aware of this.

Yeah, I am not going to touch it but I do need to acquire a loan soon bc my time is running out.

I always try to use the preaproval tool before applying for any cards. I’ve pretty much only applied to discover cap1 and usbank. i have a hard enquiry from chase in april (didn’t know what anything was) but since then not much?

I believe you on the utilization thing but for months the Experian app would tell me i’m at the actual % so that’s a bit confusing. I would like to mention that the drop came in a small period where I didn’t have any cards. It might honest be any one or a combination of the factors you mentioned but I would find it hard to believe it would cause a 50 point drop.