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are214

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very good odds of approval? I was declined and now my credit score is even worse
Thanks for your advice to get a credit card to improve my credit. DOWN 29 points for applying. Very good odds of approval. Last time I take your advice.

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A single hard query will likely never cause your score to fall 29 points. There is almost certainly something else that has changed on your report. For that big of a change, it almost has to be a significant increase in your utilization, a derogatory remark or something moving into collections/missed payment. Whatever it was, it is also probably the the reason that you were declined for the card. Remember, CK refreshes weekly, so something could be on your actual report for up to a week before it is reflected on CK.

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