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roaringstar44 OP t1_j6p8p7p wrote

Reply to comment by Werewolfdad in Credit application dropped my FICO score 58 points by roaringstar44

I'm sorry I don't know what that is could you explain?

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Werewolfdad t1_j6pa59n wrote

Do you have few credit accounts?

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roaringstar44 OP t1_j6pc6o6 wrote

I have my main card, I'm also on my husband's card, and I have a medical credit card for emergencies (nothing on there) plus student loans

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Werewolfdad t1_j6pce12 wrote

Pull your credit report to see how many inquiries are in there. May have been unrelated if it’s only one.

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roaringstar44 OP t1_j6pd6nv wrote

Thank you. I actually signed up for Experian (since annual credit report gave me an error) and the website says my credit is actually higher than what my bank is saying. So that's nice to know. I feel a little bit better but also very confused on what's going on.

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Werewolfdad t1_j6pdciv wrote

Pull your actual report. Should be a way to do that on Experian

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roaringstar44 OP t1_j6pdmzp wrote

Yup I was able to. Looks a lot better than what my bank says. My bank says I have a late payment/debt but the credit report says it was paid on time.

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Werewolfdad t1_j6pe9eh wrote

You may want to check your other reports as well. Information can differ sometimes

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twentycharacterslol_ t1_j6paejn wrote

If your credit history is very light (only one card and only used it once, for example) then a credit-impacting action might have more weight to it

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