Are the 7 new accounts reporting on EX only? I opened 7 new accounts after having 0 before. Once they started reporting on all 3, my score dropped about 50 points on average. It took 4 months for it to jump back up. However, my average age was only 3 yrs.
Let 2 or 3 of the cards report a balance of $1.00 or greater, but keep under 10%. Oddly enough, $0 balances on all CCs can hurt your score.
Loan as a revolving account? Is it a HELOC or a consumer finance loan? It could be hurting your score, but it can't hurt it any more than what it might be doing now.
I think you'll hit 650. Don't apply for anything else though. Let it mellow.