I have had a fico score of 845-850 for as long as I can remember. My dishwasher died an I went to lowes to get a new one. The clerk told me if I applied for a lowes credit card I woukd get $100.00 off this dishwasher. I did, in spite of the fact I have very few credit cards by choice, and usually prefer to pay with cash or check. Caveat emptor. 6 days after I applied for the card, my credit score dropped 39 points. I cannot fathom the reason for that,
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