@Gerald56 wrote:wondering if the disputes i made on my TU report after discharge helped create this sudden drop in score? has anyone been effected by having some things cleaned up?
having baddies removed from your cr can only help your score. but adding inqs and new TL's will affect it as well. like mine for instance..all my cr's got hit with anywhere from 5-9 inqs just last month. and then got 14 new accounts. my score already dropped from the low 700s to back to the high 600s, but im expecting it to drop even lower because the new accounts are now starting to show up on my reports.
the best thing for you to do now is to just do good by your new accounts at the same time let them age so your scores can bounce back up.
Last month I had 7 new inquires and 5 new CLs and my scores dropped anywhere from 35-60 points depending on the CRA. I assume that over the next 6 months or so my scores will rebound and hopefully exceed my previous scores. Next spree I may not do quite so many apps........and then again, maybe not 
@Anonymous wrote:
@Gerald56 wrote:wow! so many things coming into play here... i guess i better sit back and keep an eye on things monthly. thanks for the advise
FICO scoring is a very secret, convoluted formula. Aside from payment history, balances, inquiries, number of accounts, account age, and account type we have very little control over how things are scored. All those factors make recovery/repair difficult.
+1
(good catch on following up on my comment regarding baddies btw)