I have an auto loan in perfect standing that is almost paid off (and will be paid off several months early). The same lender screwed up something with my paperwork when I first applied for the loan, but instead of removing the oops loan from my credit reort, they just marked it "closed, paid satisfactorily." It says the loan was for $0.
I know it's good to have good remarks on your credit report, however, I am wondering if this hurts me more than it helps me. Is it mathematically bringing down my AAOA? I am looking to buy a home soon and would like to know whether this loan is better ON my credit report or OFF it.
I know that it counts, but does it count enough to make it worth having it removed? Technically it's in good standing. So is it more harmful or helpful leaving it on there?