Guys opinion only please

I recently found a picture of a Local girl in a bikini in my fiance's phone in the trash it was a screen shot , I confronted him and he told me first that she messaged him telling him she knew him and his cousin, we have each other fb messenger pw he deleted this message and never told me he always tells me if some girl messages him, then after I found out who she was which took a lot of digging through fb he tells me she sent him a friend request and he was seeing who she was now this picture wasn't on her page at all, it from her moms. Since this happened he put a pw on his phone which since we've been together for 3 years we've always had each others pw to get in each others phone but this one I can't have bc " he is tired of me being in his phone" I have also noticed he gets on Snapchat when he's in the bathroom a lot more and gets texts and snaps more than usual especially late at night. Am i right for thinking this seems like he's doing something?