How come my credit score...?

Can someone explain to my why my credit score went down from 719 in Apr/2007 to 628 in Mar/2008?

I owe about $6500 in credit card debts, and $5000 in school loans. But I make my payments on time.

How come my credit score...?

How much debt you have on each card makes a difference. If you have a card with a 1000 limit and you owe 900 on it, it will push your score down hard. If you owe 900 on a card with a 5,000 limit, the score will go up. Its all about ratios. A card with a 20% balance or less is good for your score. Anything over 35% and your score starts to go down.

How come my credit score...?

maybe to much debt

How come my credit score...?

Have you added any debt to your cards or balances? I would check your credit reports to see if anything has appeared that may be incorrect. The only thing I can thing of is that you increased your balance on your credit cards.

How come my credit score...?

you could be carrying too high of a balance on the credit cards which can be hurting you score. You can check out some services that will tell you ways to get it back up or you can see all the activity going on in your account and you can determine what the cause of it is. If you are interested, you can check out a comparison of some credit monitoring companies here:

http://www.endthisdebt.com/credit_monito...