Hey team, I get a month credit summary with my providian credit card and transunion is reporting a 30 point drop from last month to this month. I've always paid my bills on time for the last 4 years and my score is very high, so I can't understand why it fell so hard. The summary doesn't tell me why the score dropped only the score, so I'm think what could possibly do that to me. I'm a college student with a few loans, but all those loans are deferred for atleast a year from now, I have no morgage, I own my own car, I'm pretty much squeaky clean. The only thing I can think of is that I just got hired for a new job, but I won't start work for another 6 months, and I seriously doubt a single inquiry like that will drop me 30 points, right? What should I do? How can I find out the exact cause without spending 30 bucks on a full credit report. Thanks for your help.