BK EE and New Account Score Drops

[Anonymous]

Checked EX this morning after a successful BK CH7 EE and noticed my score dropped by 23 pts. From looking at my report Here is what I can see:

BK - removed

New Discover Card - added

Care Credit CLI to $8600

Utilization down from 60% to 42%

I checked TU and EQ it reflects the same as above but my score dropped 4pts on TU and 3pts on EQ.

Is this "normal"?

[Anonymous]

What specific product are you using to obtain your scores and what scoring model is used for those scores?

[Anonymous]

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@Anonymous wrote:

What specific product are you using to obtain your scores and what scoring model is used for those scores?

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EX was obtained from the Experian website. TU and EQ was obtained from CreditKarma. I also checked my FICO 8 on Discover and it shows TU at 634 whereas CreditKaram shows it at a 661.

[Anonymous]

Ignore the CK scores.  They aren't FICO scores.  The score you're getting from Experian is likely an EX FICO 8 score, which is meaningful.  When you say your score from Discover, is it from your Discover CC account?  If so, that's a TU FICO 8.  If it's from creditscorecard.com, that's an EX FICO 8 score, likely the same score you're getting from Experian. 

[pizza1]

your overall util is way too high! Thats a lot of your problem! Get that down to <9% overall util reporting, and you should see a bigger increase in your FICO scores. CK scores are worthless