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the credit score i got last year is much higher than the one i just got. Even though in the last year i have never had a late payment, have payed early and above required minimum balance. I have just payed off my auto loan, as well as several old bad debts. My income is better, and i have less debt overall,and lower balances on my cards. and the same cards as the previous year. And It has now been 5 years since i have had anything negative added to my report. I have been working very hard to improve my score. so why did it get worse instead of better?
credit
Did you apply for Credit (Credit Cards, loans, etc.) anywhere? If you did, the lenders look up your Credit Report (which is called a 'Hard Inquiry'). With 'Hard Inquiries', each one can lower your credit by 5 points. If you have HIGHER balances, on your Credit Card, this can lower your score, as well.
I think that there may be some hard inquiry in your credit report. Hard inquiry is made whenever you apply for a new line of credit. So you should immediately pull out your credit report and check whether there is any such inquiry or not. If there is any unauthorized inquiry in your report, you should sent a letter to the inquirer asking them either to verify your authorization or to remove the listing from the credit report. You can find sample letter is you visit the link letters of credit.