I paid my auto loan in full and it's showing up differently under all the credit reporting agencies. So I have a multiple part question.... The most obvious error is the one that shows that I still have a balance of $1,200. The second agency shows a balance of zero and an "OK" current status. The third shows a balance of $0 and and "OK/Was 30 days past due" as my current status (I did have one late payment two years ago). Do I want them to indicate $0 and "closed by consumer" or is it better for my FICO to have them appear as $0 and open and in "OK" standing? Does "closed by consumer trump the 30 day past due?
I'm somewhat confused as I presumed an auto loan to be an installment versus a revolving and therefore automatically closed when having a balance of zero.