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OligarX

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After adding my loan, my credit score went down 12 points
I bough house on 09/2012... signed up for Credit Karma on 07/2013 since I had credit score 687.
I had message that new credit line added to my account it's my loan.
and new hard inquiry (my new credit card) 08/2013 and now my credit score went down 12 points.

I have 0 late payments. My credit card utilization is 14%. I always try to pay off...

Why it's down and how to increase it?

Thank you

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