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re: FICO Credit Score Question: Auto Loan incorrectly reported as closed with balanc
Posted on 8/14/15 at 8:48 pm to GenesChin
Posted on 8/14/15 at 8:48 pm to GenesChin
So are you saying it's not actually paid off yet and is still open? I paid off a personal loan last week and according to MyFico, my Equifax score dropped 5 points and Experian 1 point due to closing it. This was a pretty old account too. So I would guess you only lost a few points, if any, by having the account showing as closed.
1
Posted on 8/16/15 at 3:34 am to JonTheTigerFan
Before filing any type of dispute, check with your mortgage lender. If your current score or potential score increase isn't passing any break points, then I wouldn't be worried about it.
Example- if you are worried about 780 vs 760 vs 740...anything above 740 usually gets you best rate anyway.
Example- if you are worried about 780 vs 760 vs 740...anything above 740 usually gets you best rate anyway.
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