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car loans and fico


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I have a car loan and i owe about 18000.00 from 19000.00,

i just had the loan for 2 month's would my fico score go down for this kind loans? or it's only affected by revolving credit, Is debt to ratio have any thing to do with it? and if it affected by it how much a score could go down?

thank you in advance

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With the exception of personal information, everything on your credit report affects your score.

New accounts cause an initial drop because

1) the inquiry(ies) used to get the new tradeline

2) the 'risk' involved in a new line of credit

3) the high balance to the loan amount

You'll notice your score start to go back up with a few more months of on-time payments.

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