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Phats0

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Why did my score drop 81 points??!?
I got a credit card. Had no card before. Simulator said getting card would increase my score ~40 points. I started using the card, and my utilization changed from N/A ( I had no card) to 8% ("A" category) and yet my TU score dropped by 81 points from 738 to 657. Why?????

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81 points

The exact same thing happened to me! Same number of points after I got a 2nd card! I'm still not sure why.

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