Auto Loan Payoff

[Koyote22]

Recently paid off what was left of a $26,000 auto loan with Navy Federal Credit Union. My reports updated paid and closed. One the 1st  my FICO fell from 820 to 797 across all three FICO 8's. Even auto loan scores and credit card score scores fell some. 

I have 32 trade lines and 17 open. Did this reduce the average age of accounts or can someone maybe clarify what penalty I got to lower them so much? I have a couple installment loans so I didn't think it had anything to do with credit mix, but I could be wrong. 

Lastly how fast would a rebound on this drop take me to get my points back? 

thanks 

[Patient957]

Most likely the 'no open installment loan' penalty.  Was the auto loan your only open installment loan?  If so, that's it.  You might consider an SSL.  Search the board for details.  Since you already have NFCU, you can do it with them.  I think they call it a pledge loan.