HELL EVERYONE AM NEW HERE

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.

I became sick last year and was unable to work. God is Good I'm healed. My loan account became delinquent and charged off. I'm getting back on track and ready to start paying this account off. Is there anything I should or shouldn't say when I call the creditor to arrange payments

Columbus, Ohio, I’m in here on a mission for myself, my family, and those that come behind me 🔥. Let’s Go💨

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