So last night I checked my score and it dropped by 55 pts on my TU. I looked and noticed that it was probably due to my school loans now reporting, as it wasn't when I was in Ch 13. Will my score ever recover? Why did it take such a sharp dip? My mortgage and car loan isn't reporting though I did email my mortgage lender if it will ever be reporting. As for my car long, I will have to call them.