Which of these three things (if any) led to my score decrease?

[u/SortOk10921]

My Vantage Score (yes, I know, but until I get my monthly FICO update this is what I have to go off of) just dropped by 20 points (730 -> 710) after four months of consistent increases. I've checked the actual report to make sure there were no new accounts/fraud/missed payments anything like that. The only things I can think of are these:

• I was late on my electric bill by one day
• My utilization increased from 31% to 33% (perhaps moved me into a different bucket?)
• I got a 20% CLI, but my utilization didn't decrease (maybe lenders would be concerned that my spending increases with CLIs and that means I'm not responsible? This only impacts my debt-income ratio by 0.5%)

Any thoughts about it any of these could be the culprit, or maybe it's just random noise? Just want to try and be cognizant of anything that could cause this level of impact.