My score jumped 22 points after my 10th on time auto loan payment. It then jumped 18 points two months later when I opened a small credit card. I thought it'd b a good idea to refinance my auto loan. I ended up lowering my interest but because I refinanced my score dropped 21 points! I realized it's because the reason my score went up was because of the length of my loan. When I refinanced my length of credit lines dropped...dropping my score.
