I'm still learning about the FICO Score.
I do believe that any HP will drop your score from the potential max. I also believe that 'new' accouts means fewer points.
I can bet that your score will be over 830 after 12 months without new accounts and no new HP (all HP older than 12 months). With no new accounts/HPs for 24 months, so no HP at all on you reports) you will be getting to 840 or more depending on your loan balance.
Your file is thick, so you adding a loan and several cards wont bring it down many points. My file is thin and I get up/down 20-30 points with small changes (new accounts, HP getting over 12 months, lower/higher CC util). I'm in the process of getting a secured loan to make my profile thicker that will help in my situation.
My DW score was 760 10 months ago when she opened a CC, to 780, and now 790 just to be in the garden and lower the util (some HP aged to over 12 months and others dropped). I can see her at 800 once her AAoA is over 2 years. That will mean 1 year in the garden.
Good luck.
