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@Anonymous wrote:Its not paying off the loans that lowered your score.
Not necessarily true. If they were the only open installment loans that the OP had, both of them reporting closed prior to the new loans reporting open would result in a score drop.
I would agree with you but the dealer ran 2 total credit reports. That's what's showing on MyFico and I also watched him during the process. It seems like things are starting to stable as I'm making larger payments toward other credit cards to balance things out. It could be the other 4 credit cards added during that month that didn't help things and those were additional inquires too.