It changed your credit score, one way or the other. Most new debts initially lower credit scores then over time it builds them back up. As previously mentioned by the other experts it will also change your debt to income ratios.
As for the impact on scores, watching a single account is not the best method, that isnâ€™t how the matrix works, it looks at everything on the report. If the new car loan lowered the score 15 points and a recent payment on a credit card balance changed the band on that account and raised the score 50 points over all you get an improvement. Lots of info on this subject on my site, linked to the main page below, good luck,
NMLS # 6395
Financing Kentucky One Home at a Time