<prompt> Human: Checked my credit score this morning. Dropped 157 points. Says I have new derogatory marks I havent done anything differently and nothing has changed so not sure why it says that. What do I do who do I contact?Checked through my credit card app so I froze the card this morning. No clue if there related at all.  <response>: Pull your credit report. Some account is reporting as late or worse. Could be a mistake. 