Providian reported a new bank card....2 weeks ago and my score went down 22 points! Went from 584 to 562...today, for no known reason, it went down another 8 points...554...so depressing I looked at FICO at the being of December and it was 601...I have disputes in with EQF so I don't want to check it till they come back in the next couple of weeks, not that I want to....sure wish my score went up 7 points for no reason like everyone else! Hey, maybe they took points away from me and gave to someone else...maybe the TOTAL population is only allowed a certain number of points combined...hmmm...I think maybe!! LOL Then again maybe not, FICO would start to make sense then!