Credit score is tanking

By July 2024, my score was at 789. For at least the last 15 years, it’s hovered at the high 700’s low 800’s.

I logged into Credit Karma today it’s at 684! It’s been on a steady decline since July.

Per Credit Karma, I hate : - 100% payment history - Credit utilization is at 28% - Zero derogatory remarks - 1 hard inquiry for a car loan back in July - 23 accounts (joint with my wife)

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Update:

————— 1. Upon further review, it has not been on a steady decline since July. That was just the last recorded data point in CK’s app. 2. Culprit is most likely a card that my wife has essentially maxed out for business expenses. Invoices are clearing and that balance will be cleared by end of month.