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I've just started rebuilding my credit Jan. 2005. I have obtained a auto loan for 26k and a Visa and Mastercard. I was under the impression my credit score would take a dive, but all 3 of my credit scores have increased per PG. (I'm definitely not complaining)

My question is could my fico scores be lower?

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Maybe it takes a quick dive due to the inquiries, but once they start reporting to the CRAs as OPEN paid on time accounts, I think your score should go up. Mine certainly did! They weren't for large balances like yours but everytime a new credit card started reporting, my score would increase.

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