<prompt> Human: I owned a home for over 3 years, never missed one payment, and now, one month after the closing date, i refreshed my Experian credit report only to see that my credit score DROPPED 18 points.What kind of shitty magic has happened here?ELI5 if necessary Edit: Good info, thanks to all, even the folks with dickish answers.  <response>: 18 points isnt that big of a deal. You arent likely going to be denied anything over an 18 point change. It might effect your borrowing power, however if you are posting on here. I would guess you dont plan to leverage your borrowing power to the fullest anyway. 