New Credit: When does it stop negatively impacting FICO?

[Mythic850]

The analysis of my FICO score lists the following among the factors negatively impacting my credit score: Amount of credit you've recently obtained or applied for. In the past year, I got a $26K auto loan (July, 2007) and a $2,500 Discover card in December. When does new credit stop being new? When should I expect these to stop having a negative impact?

[scramblingin2007]

I believe it stops being "new" after the 12 month.

[Mythic850]

Does anyone know how new credit impacts the score? Is it an all or nothing kind of impact or does the "newness" decline from max impact upon opening to no impact at 12 months? If so, is a straight line kind of decline or a sliding scale with more negative impact the newer it is?

[Anonymous]

Your CC will not be new after Dec.

Auto loan....3/20 our auto loan reported Bal $0 closed  we refied

I received 9 points     DH 7 points

New auto loan  reported 4/05

DH received another 7 point increase     I received 0

Keep in mind that installments only counts for 10% of your scores    where CC count for 30%