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Why did my credit score suddenly go down? I have a new credit card that has always been paid in time and a parent/student loan that was recently granted. I would think these things would raise my score not lower it. I also have much more $$ in my accounts and I have no new bad things in my account that weren't ALREADY there! I also put in inquiries some of which were not responded to and from what I understand they have to be removed in that case! I don't know what this new "hard inquiry" is but I haven't applied for anything but the two new accounts I previously mentioned which as I said are approved and paid ON TIME! I feel like I'm being forced to join trans union to get these things fixed

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