<prompt> Human: Im sorry if I seem all over the place. I have a few credit cards and over the years have managed to get a beacon of 800. My only credit history is credit cards, no loans - until now. My husband and I decided to finance our first vehicle last week, we put 14,500 down and financed to rest at 260 for 5 years, that left us with around 15k in debt. We did get approved for 0 interest which was awesome, and I figured we would eventually need loan history whether we like it or not. I decide to check my Credit Karma score and it dropped 35 flipping points! I understand with on time payments it should move back up overtime, but I thought a 35 point drop is ridiculous. Is this normal? If so, does it jump back up at a reasonable pace?  <response>: You had a hard inquiry on your credit. You have nothing to worry about. Just make your payments on time and keep your credit utilization low and it will go back eventually. 