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creditispainful

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Why taking recommende actions tanked my score by 30 points
I used the advice of Credit Karma and my score dropped by as much as 30 points. Destroyed credit 10 years ago after breaking spine and becoming disable. Not sure what to do now. It may take years to bring back up. It said I needed a credit card because I did not have one. I got one. It said I should refinance my car, I did. Credit has now tanked by 30 points. Any advice?

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