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  1. OK, so I've been trying to clean up and rebuild my credit and while I'm working on DV and disputes, I get a secured credit card for $500. Thinking that I will have time to pay it off before it reports, I used $275 of it already (have had it less than a month). I got a notification from experian yesterday that stated my score dropped 23 points and the only change was this credit card was added (all info on both experian and equifax reported identical). The experian score monitoring is through the experian website, the equifax is the score watch through myfico. Today I get a notification fr