I just refinanced my auto loan with PenFed and my scores dropped by 14 and 24 so far, waiting for the third painful ding. Frustrating when 2 out of my scores finally broke 700. I expected the score drops but do not regret my decision to refi my high interest loan. Time, patience, good behavior and gardening is my plan. MyFico and this forum really does keep me on the right course. But I want my points back now LOL!
