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Other possible reasons include increased credit utilization, closing an account, or a new derogatory mark on your report.
Other services such as credit repair may cost you thousands of dollars and only help remove inaccuracies from your credit report.
A payment method is also required to set up accounts for children.
Learn more about Family Sharing and Apple IDs for kids.
Although hard inquiries don’t make a huge impact on your score, they can temporarily lower it.
Hard inquiries stay on a credit report for 2 years, but in general, the impact to your FICO Score will lessen after 1 year.Lastly, negative information on your credit such as late or missed payments, foreclosures, collection accounts, and charge-offs can negatively impact your credit. If you notice that your scores went down, there may be a few reasons why.