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I would imagine youll see a drop at first from the inquiry as well as a new installment account with a %100 balance. Score should rebound rather quickly though.
@Anonymous wrote:
I brought a car on Aug 2015 and financed it thru Lexus, joined a credit union and refi it at a lower rate in Feb... What scoring effects will I have?
you'll take a hit which you can offset by paying off as much of the loan as possible as fast as possible