It's important to recognize that the various scoring models use slightly different criteria to determine your credit score. Newer models like VantageScore 4.0 are designed on the most recent timeframe and represent current consumer and lending practices. More data is incorporated to give a more complete picture of your credit standing. Also:
Lenders use a variety of third-party models, as well as customized models. Monitor your score, but realize that it may not be the same model or score used on a future loan application.
If your score declined to an extent that you think lenders will offer you poorer terms and higher rates:
Examine the reason codes provided with your score to understand which behaviors are causing the decline.
Consider using a credit monitoring tool that provides recommendations for improving your score.
Check your credit reports for accuracy.