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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.