<prompt> Human: Hello,x200B;I froze my equifax account ever since the breach last year in 2017. When I unfroze it to apply for a loan from Citizen Bank when I purchased the new iphone, I noticed that my credit score dropped 20-40 points. Can anyone please explain why this happened? See pictures below of the drop and my credit utilization.x200B;x200B;x200B;  <response>: When I unfroze it to apply for a loan from Citizen Bank when I purchased the new iphoneYou put a new hard inquiry onto your credit report and, if you accepted the new account, also lowered your average age of accounts. That would affect it, not unfreezing the report. 