I just refinanced my car to drop my payment about $200/month. The bank it was with doesnt report to any credit bureaus. I lowered my payment because my fiance needed a new car and to make up the monthly difference I shaved a couple hundred off of mine to cover hers. We couldve afforded both regardless, but we like to keep expenses low and pay more when we can.
So I will go from having NO Auto loans on my credit report, to having 2 reporting. I know short term this will hurt my AAOA, but this will be a good thing by thickening my file correct? Im not too concerned with adding the new accounts, Im more focused on my future credit rating being helped.
Basically Im feeling nervous about adding two new accounts and just hope to hear that this will be good in the long run? haha thanks for any advice 
You will of course take a hit for on your AAoA and for the inquiries. But this will fade fairly quickly and you have added a couple of positive TLs that will help to build your CR up.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.