Experian fico 8 drops by 13 points from 817 to 804 after bread amex card reports..

[firefox100]

Just for data points about fico score 8 on experian. Last months on nov, 22 applied for the Bread amex cashback card at that time experian fico score was 820 it drop by 3 points to 817 when hard inquiry hit the experian report. The Bread cashback account closed on 18 of this month with balance of 126 dollars with cl of 7850, this morning the account with balance showed up on Experian which caused my Fico score to drop by 13 points to new score of 804 on experian. This new account with hard inquiry cost me 16 point drop on Experian.Comemity bank was fast in reporting to experian after closing date.

[SouthJamaica]

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@firefox100 wrote:

Just for data points about fico score 8 on experian. Last months on nov, 22 applied for the Bread amex cashback card at that time experian fico score was 820 it drop by 3 points to 817 when hard inquiry hit the experian report. The Bread cashback account closed on 18 of this month with balance of 126 dollars with cl of 7850, this morning the account with balance showed up on Experian which caused my Fico score to drop by 13 points to new score of 804 on experian. This new account with hard inquiry cost me 16 point drop on Experian.Comemity bank was fast in reporting to experian after closing date.

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Thanks @firefox100 

Other data points we would need to know:

1. When last revolving account before this one was added.

2. Change in AAoA.

3. Number of inquiries over 12 month period prior to application.