What in the world???? Drop in Score from PFD

[Anonymous]

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@Shogun wrote:

You did do the right thing, a 10 point drop and a cleaner report.  Your score will rebound and be better.  What positive TLs do you have?

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Good question.  I had to think if I had any good tradelines.  I do:

Barclays [Open 2007]

Capital One (a different one) [Open 2005]

Target [Open 2012]

Capital One Auto [Open 2011]

I have 5 inquiries so I am hesistant to apply for another credit card ... And with the recent drop, I will try to get down my utilization (which is 80% on my Barclays) before I apply for another card.

[Anonymous]

These were collection accounts for dental services.  

[Shogun]

Sit in the garden for a bit.  You should start to see an increase as your accounts age.

[KevinBlock55]

Get the utilization under 20% in the next few months and you should be touching the 700s