My 3 AM credit report panic after a mall card application

Last week I applied for a store card at the mall to get 20% off, and then couldn't sleep. I pulled my credit report at 3 AM on my phone and saw my score dropped 11 points just from the hard inquiry. But the real kicker was finding an old utility bill from 2019 still listed as open, which was messing with my utilization. I called the company the next day and got them to remove it, so my score bounced back in 3 days. That garbage happens way more than people think, so check your full reports, not just your score. Has anyone else found random old accounts that should have been closed ages ago?

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bell.jessica16d ago

I found a gym membership from 2018 that was still showing as active on TransUnion, even though I canceled it and have the email to prove it. Took two phone calls and a fax (who even faxes anymore, lol) to get them to fix it. Seriously though, that one account tanked my credit mix for years and I had no idea until I did the same 3 AM rabbit hole.