I have a question: the other day, I went to the dentist for the first time, and without my knowledge, the lady applied for a loan/credit card (Care Credit) on my behalf to help with payments, which I didn’t need any additional help for. As a result, my credit score dropped by 71 points. I’m seeking advice on what I should do. Should I pay off the loan and then close the account, or should I dispute the hard inquiry? A few additional details: - Credit Score Drop: -71 points - New Account Opened: The dentist applied for the Care Credit account. - Total Debt: It went from $14 to $2,516 due to the new account. - Credit Utilization: My credit utilization went from 1% to 56% because of the new account.