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Possibly Explanation for Discrepancy and Significant Credit Score Drop?
Hello, I had a credit rating of 732. I applied for and was approved for a credit card. I pay the balance off every month (as I do for all of my cards.) What I don't understand how this single hard inquiry caused at 38 point drop in my credit score? I also recently paid of my Department of Education student loan.

Also, my Discover card gives me my FICO credit score, which they say is 732. How is there such a discrepancy?

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