Here is the most basic, 101-level financial advice anyone will ever give you: Know your credit score. If only it were that easy.
For starters, you don’t have just one credit score. You have dozens and dozens, all from different credit agencies, all calculated slightly differently. Since your credit score is a snapshot of your creditworthiness taken at the moment you request it, if your financial picture changes a week later, your score will change along with it.