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Got a pre-approved offer from Ollo which I accepted last month and today Experian reported a 20 point drop because of it. (From 602 down to 582)
My dicover card is nolonger secured and the credit limit will show as $1500 as soon as they report it. Will I get an additional drop when that happens or did this happen because of reduced age of accounts?
Where did you get the screenshot from? If its Credit Karma, ignore it.
Yes their is a new account ding..
You had only two open accounts less than a year old, so yes getting a 3rd impacted your average age and is probably the reason for the score drop. When your Discover unsecures it will be the same account. It will not effect your average age at all.
You can get your 3 CRA FICO scores for $1 and then cancel before the trial ends. https://www.creditchecktotal.com/ Or Discover Scorecard for a free EX FICO score. https://www.discover.com/free-credit-score/ CK is Vantage and useless. Its good to see everything is reporting correctly and their alerts. Then compare the scores. You'll see the difference.