On which FICO score version for which bureau did you see these changes? For your score dropping twice after refinancing your auto, that wouldn't be unexpected behavior. For your initial drop when the old and new loans were both reporting, your AAoA would have decreased by some amount, your agg b:l would have increased by some amount, and you would possibly have had a new inquiry to that bureau. When the old loan reported as closed, your agg b:l would have increased again. Ofc there may have been other changes unrelated to the new installment which could also have had an effect. Similarly, the score increase you saw after your cc apps was unrelated to the HP's you took. If you want to post the details of your profile before and after the score changes, we can help you look for a more complete answer. The relation between a consumer's credit behavior and their credit score isn't simplistic and can seem inscrutable for those of us that don't work at FICO, but there's a lot that people here have figured out about score 8. If you want to better understand what drives the changes you see in your profile, there really isn't a better resource in the internet than these forums.
