(Avant) Personal loan point decrease? Increase? No change?

[Anonymous]

Hi everyone! I took out a personal line of credit on December 7th Avant. I still haven't seen it report, I've heard they take 2 to 3 months sometimes. I'm actually a little nervous when it reports that it's going to drop my scores. Have you guys noticed when your loans report having a drop? If so how many points did it drop? I was trying to get some credit line increases is before it reports.
Also I am wondering, I am going to be paying off the line of credit as soon as my tax return comes in which should be about February 20th. Do you think my scores will increase when I pay it off or stay about the same?
Thank you!:-)

[Anonymous]

If you have no other installment loans currently reporting, your score may go up a couple points. When you pay it off any increase you saw will vanish.

[gibeon]

I didn't notice/don't remember it go either direction - and certainly not more than a few points, if it did.

When it finally reported (2 months almost exactly from the day of disbursement) I already had an auto loan and LOTS of student loans though.

[ddemari]

Can take 2-3 months to report. A few years ago they only reported to EX, now they report to all three. I have a lot of student loans, credit cards and retail cards. I didn't see any increase or decrease in score.

[masscredit]

Is there an AAoA hit after opening one of these?

I've thought about it but currently have an auto loan so it won't be worth it to me.  Actually, I think I'll always have an auto loan.