There's not much you can do to fix the mistake, but you can manage your credit in a way that the algorithms will give you extra credit to get your scores back up. The no brainer part is to keep making all of your payments on time. My second suggestion is to avoid anyone pulling your credit report. The algorithm is (incorrectly) afraid you are losing your ability to pay back your debts, so if you apply for more credit, that will further that concern. The last suggestion is to keep your balances on all revolving credit cards less than 20% of the credit limit. Its important to use them, so don't leave the balance at $0, but keeping it under 20% (or as low as possible) gives you the best chance to improve your scores. My suggestion to my clients is to put a tank of gas in your car using your credit card and then pay the balance every month when you get the statement. By consistently doing this, you will get your scores back up pretty quickly. Good luck!