The simulators can be far off at times, even for the what actually happens on the site your using to monitor your scores. I personally use them at times just to get a general feel.
Total CL: $321.7k
UTL: 2%
AAoA: 7.0yrs
Baddies: 0
Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping
I've run it on both MyFICO and Experian and lose only 5 points on both regardless of amount. I assume because my existing installment loans are already close to 100% so adding another wouldn't raise the aggregate utilization. So the 5pts is likely for the inquiry/new account hit. I'll find out what really happens this fall.
