re: My credit keeps dropping.....

My best friend follows Dave Ramsey religiously. They sold then purchased a new house. And wanted to get a car about 3 months later. Their credit wasn’t strong/diverse enough to support the car purchase that soon.
Being able to leverage your income and take on good debt is the best way to maximize your wealth. Spend 30 minutes a month on credit karma. It could be as simple as paying your credit card 2 days before it reports. Or requesting a limit increase every 6 months.