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I just noticed that my EX report reflected two auto loans with balances. It had my intial loan as well as new loan that I re-financed last March. The other two reports had updated the balance to reflect 0 on the initial loan, but for some reason EX never did. Anyway, I submitted a dispute and expect it to be resolved. Would I really get any meaningful boost once that happens? It seems like the only thing that would happen is the 13k "recent balance" would vanish.
When is the last reported date from the loan refinanced from? Maybe they hadn't updated just yet (though I conceed you're at 3 months from this transaction).
FICO-wise, I woudn't expect any significant score changes when updated to $0. Maybe a few single digits at best when adding another $0 balance.
I'd contact the first lender and ask them to update. While it'll have a negligible effect on your FICO, some lenders would initially count both loans into DTI without investigating further.
I'd avoid the disputes. You're within your rights to dispute since it is inaccurate, but the odds of them deleting it go up exponentially with a dispute. If it were among your oldest accounts, then you could lose points if deleted.