You've recenlty added multiple new accounts. It will take time and responsible usage for your scores to recover. I'd sugget hitting the Rebuilding subforum to see what you can do about the derogs as they tend to have a significant impact and hold one's scores down as long as they are reporting.
@Anonymous wrote:
I thought the auto loan would vary my types of credit in a manner that would help my score.
If you got it on Friday then it's likely that the HP's have hit but the new account itself has not reported. You would have to look at your reports to verify.
Any time you want to understand the causes of any score change you have to carefully review reports from before and after the change. That said, I don't recommend fretting over a 4 point score change. Scores fluctuate a bit just from normal usage. I'd suggest setting a threshold of 20 points or more if you're going to fixate on the numbers. I suggest focusing the on the data in your reports instead. Creditors use a number of different scoring models and you'll find that the numbers you were relying on are not necesssarily the ones that a given creditor will pull for you.
