<prompt> Human: My wife and i are trying to improve our credit following me filing bankruptcy in 12015 attempted to help someone out and got badly burned. Prior to bankruptcy I had a 790 credit score, 100 on time payments for 10 years, etc etc.I am now working to rebuild my credit, have a mortgage and car loan as only open loans, and student loans that are currently on deferment as Im in school currently. edit: Mortgage is 11 years old, Truck loan is 3 years oldMy credit was finally back over the 640 good mark 644 so I opened a discover secured credit card to add additional items on my credit report and help my score go up... instead it dropped 13 points. what gives? should I cancel the card? just make on time payments and keep it open? No other new marks at all on my credit, I only applied for one card, and it was secured so I was approved of course.  <response>: you lowered your average credit age and had a hard credit pull.dont fret 13 points. 