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Nascar1985

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Why did my credit score drop so much from a hard inquiry?
My score was 664, not great but was stagnant from not having any open accounts. So I applied for a Chase Freedom card and a Capital One Journey. I was approved for the Cap 1 but still pending on the CF. My score took a huge hit, 69 points. I thought a hard inquiry only dinged a few points? How can I improve my credit when it has fallen so low?

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