Would need to know a little more about your prior credit to completely answer your question, but I assume one or both of the following happened: you had limited tradelines that were old and fell off your credit report with no new activity or accountss, or you were listed as an authorized user on some accounts (of parents or sig other?) with no real tradelines of your own. Used to be great to be added as an authorized user and piggy back on other folks accounts, but lenders and credit report providers caught onto that a few years ago. Had a client who (several years ago) went from no score to 750 in a month solely because mom added him to three of her long time accounts. That’s clearly manipulating the system, good thing it’s no longer effective to do it!