Credit scores go up and down for a number of reasons. Here's what causes dips and why steady habits usually push it higher in the long run.

Elizabeth Guevara is a personal finance reporter who explains the world of business and economics and how it impacts your finances. She joined Investopedia in 2024. Investopedia / Photo Illustration ...

Your credit score is the key to your financial future: It can determine whether you get approved for a credit card, car loan or mortgage, and what interest rate you'll pay. In some cases, your score ...