My credit score randomly dropped around 20 points too recently. It was after a churn, but I had refreshed it after all the inquiries had hit and it had no real impact. But then later it dropped. I actually wonder if there has been some change to the algorithm the FACO I was using used? (CreditKarma in this case)

With regards to the OP and the dire consequences blah blah.... sounds like someone went from at least 800 to at least 780. I can assure you the lifetime financial consequences of such a drop is absolutely zero. Now someone going from 715 to 695... that might have a real monetary impact