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I got a Toyota Financial loan at 13.95% when I was still in college. Now that I've been working a couple of years I refi'd my loan at 7.65% through USAA (military/vets banking) but my credit scored dipped 7 points (but still above 700). I'd like to buy a house in the next year and a half, was it a good move to refi considering my Fico score took a hit?
A seven point drop with a new account and its associated inquiry is not bad. With consistent on-time payments and judicious use of your credit accounts, you could recover those points. YMMV.