Hey Community! I've been trying to build my credit report, step 2 of the class, and I did one of the 10. I applied for the pledge loan from Navy Federal. When I did that it actually brought my credit score down. I have questions. Why did that happen? Is that to be expected with everything I apply for to build my credit report? How long will it take for it to go back up? Did this happen to anyone else? PLEASE HELP!!!!