I checked my TU and it dropped 11 points as my new auto loan posted to CR. Fico says most of the fico users paydown 35% of the loan balance. I am going to pay down the loan by 40% and see if my score goes back up again. I really did not needed this loan, I added it so I can have an installment loan shows on my CR. Let us see what happens to score next month once I pay off 40% of the loan balance.