You forget the scoring is not based on individual performance only. It also includes your performance compared to those in similar groups or buckets.

Ever wonder why your credit score goes down randomly in one month despite nothing changing?

FICO’s black box algorithm put you in a newer credit group of higher credit scores. In that group, your profile scored much lower compared to others. Thus you get a 10-20 point deduction.

If you have a long history of good credit it probably doesn’t matter. But if you are a young person looking for auto/home mortgages, that 10-20 pt dedication _could_ lead to slightly higher APRs depending on the underwriters own scoring algorithm.