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Why did my credit score drop over 45 points from getting a secured card?
I am really working hard to rebuild my credit to qualify for a mortgage. I was told to apply and get a secured credit card which I did, but my score dropped 45 points! I am so frustrated. I am paying my 3 retail cards on time and paying them off each month now for about 3 months. When will my score start to build and not decline anymore?

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