That's the thing though, I have under 5% credit utilization, haven't missed a loan payment in easily 2 years, maybe have 1-2 hard checks on credit in the past two years, and fully pay off my CC more than once a month.

The student loans are the only negative thing I have affecting me right now (even though I'm consistently paying like $600+ a month on them), everything else is regularly maintained.

I checked older Sofi applications and see my Credit Score increasing and then decreasing significantly:

Your credit score: 720 Date: 01/25/2017

Your credit score: 745 Date: 05/13/2017

Your credit score: 665 Date: 08/31/2018

and then today's score of 649.

These are all soft-checks so they shouldn't be the things dropping me so significantly.

Any explanation that you can think of?