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I refinanced my vehcile from USAA to NFCU and balance difference is an increase of about $130, how much of a hit will my files take for the new account?
Your FICO score will likely decrease -- how much is impossible to say.
Here are (some of) the reasons why:
So basically based on your profile, the new loan could drop your FICO scores anywhere from 10 points to 30 points -- it could be worse or better than that if your profile is really thick or thin.
I anticiapte this hit as mentioned in the good post above will be short lived.