@gdale6 wrote:There are many factors that go into a new account reporting. There is the AAoA drop already mentioned, there is also a new credit category and you would get a ding in that area until it ages sufficiently in the eyes of Fico, utilization calcs will change and you also have the hit of the inquiry for the new account. Its typical to recover most of the points lost on a new account in about 6 months but there is no guarantee it would depend on your orverall profile.
my overall profile probably couldnt get much worse lol..actually please universe dont take that as a challenge! i'm sitting tight 
Got an alert from myfico that it started reporting on equifax..and that score went up by 15. So at least I can be happy about that one