New Auto Loan reported to EX and TU - no F8 score change?

LaHossBoss wrote: ↑Wed Jun 09, 2021 11:53 pm I was a little surprised to see that my F8s for EX and TU did not go down after adding a new auto loan. TU F8 717 > 717 EX F8 718 >718 AAoA went down, but not terribly. EX 10y 2m > who knows per MF (10y 7m > 9y 6m per EX) TU 9y 6m > I need to do the math lol per MF I am just going to assume that because I am still on a PR/dirty scorecard, I do not get the "new account penalty", if I remember correctly (@Birdman7). Some other scores went either up or down a tad, I am guessing maybe because I now have an auto loan (auto scores). For the ones that went down, I am wondering if it was because AAoA went back under 10y? Or do other scores penalize for a new account regardless of being in a dirty scorecard? Or I guess it could just be from the increase in number of accounts w/ balance. EX2 681 > 681 (0) EX A8 717 > 730 (+13pt) EX A2 697 > 696 (-1pt) EX BC8 726 > 725 (-1pt) EX BC3 702 > 695 (-7pt) EX BC2 696 > 696 (0) Funny enough, EX is still giving me "no auto loan activity" for a negative reason code with the new auto loan reporting. Screenshot_20210608-210226_Experian.jpg

LaHossBoss wrote: ↑Thu Jun 10, 2021 2:13 am @Birdman7 so, then when I transfer to a clean scorecard in a couple months, will I get the new account penalty at that time? Since the account will still be less than 6 months old (probably less than 3 months old)? I was hoping to go clean with no new accounts 18+ months to see what my best scores would be before adding new TLs, but I got the new-to-me vehicle and foiled that plan. I am going to assume with the new account only a couple months old and an additional AWB, my scores will be a lot less than what I had hoped for or would have gotten anyway, had I not gotten the loan yet?

LaHossBoss wrote: ↑Fri Jun 11, 2021 6:20 pm @Birdman7 thank you so much for the clarification! I always get fuzzy on the new accounts situation, especially for non-revolvers. That meams there's still hope for decent F8/F9 scores once I go clean. But darn, I had AOD in my sights as one of my first app spree's choices. I guess we will just see how my EQ5 fairs when the time comes in Jan!