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I recently switched cell phone providers (save a few bucks and get a better plan) and got a new credit card (4% cash back on USD) within 4 months.

It looks like both of those actions reduced my FICO score from 840 to 807! totally unexpected!!

My previous phone plan was my second oldest credit account, opened in 2008. it's now closed.

I am not 100% sure but it the only things that happened i the time period are 2 hard credit checks new card and new phone) and 1 old account closed (old phone).

Anyone else had an experience closing an old account significantly affecting their credit score?
 

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this is normal. you score even after the drop is stellar. FICO scores keep swinging up and down. wait for cpl of months, just doing nothing will take your score back up.
 

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Don't think its the closing of an account that affected your score, but rather the opening of additional credit.

Wouldn't sweat it though....what OMO said.
 
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