Similar thing happened to me, however I always maxed out my credit in the past, but a few months back I decided to pay off all my debt and close down a few of my credit cards too boot, and boom,they hit me hard for going off credit.
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650 is still pretty good though. I've never seen mine above 320-ish. I've never experienced a life of 'maxing out' credit, I just have to buy things with money I actually have -__-
Yup hoping it levels out here and starts to rise again!