<prompt> Human: Hi PF,I recently got a secured card as part of repairing my credit. Many times I read that having a secured card helped shoot peoples scores up right away. Ive kept utilization pretty low well under 30 and paid as soon as my statement balance came in the past two months. So why did my Equifax score go down 33 points as soon as it reported? Do they weight age of accounts more than the other bureaus? And how fast can I expect that it will start climbing again if I continue to pay the full statement balance each month? I understand score isnt everything, but this caught me completely off guard.  <response>: 33 points is not obliteration. It is very minor. The dip could have been just from the credit inquiry needed to open the card. It will correct soon, and the net effect of having this card will be to increase your credit; it will just take some time. 