https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-credit-score-go-down/m-p/636#M266 <DIV>Did you acitviate the card? Is it actually showing on your report?&nbsp; If you never activated it, and it is showing I would have it removed.&nbsp; Secondly, the actual inquiry could have caused that 7 point drop.</DIV> Thu, 22 Mar 2007 18:54:55 GMT Anonymous 2007-03-22T18:54:55Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-credit-score-go-down/m-p/614#M256 <DIV>I received a credit card from First Premier Bank,&nbsp; didn't want it, never used it and promptly return it.&nbsp; That action caused my score to go down 7 points.&nbsp; WHY??&nbsp;</DIV> Thu, 22 Mar 2007 12:57:36 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-credit-score-go-down/m-p/614#M256 Anonymous 2007-03-22T12:57:36Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-credit-score-go-down/m-p/636#M266 <DIV>Did you acitviate the card? Is it actually showing on your report?&nbsp; If you never activated it, and it is showing I would have it removed.&nbsp; Secondly, the actual inquiry could have caused that 7 point drop.</DIV> Thu, 22 Mar 2007 18:54:55 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-credit-score-go-down/m-p/636#M266 Anonymous 2007-03-22T18:54:55Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-credit-score-go-down/m-p/642#M268 <DIV></DIV><DIV>Inquiry + lower average account age + more recent recently opened account.</DIV><BR /><BR />Message Edited by okrogius on <SPAN class="date_text">03-22-2007</SPAN> <SPAN class="time_text">03:55 PM</SPAN> Thu, 22 Mar 2007 19:55:08 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-credit-score-go-down/m-p/642#M268 Anonymous 2007-03-22T19:55:08Z