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Is there a positive score impact if i have an auto loan paid off?
I have two autos right now with roughly 13k on each...if i have one paid off, will i see a score bump? Right now they're at about 75% of max balance.
If you still have 1 auto loan open, then I'm gonna say your score will rise. You have to look at a balance of the types of accounts you have. Sometimes, a person with no mortgage account and pays off their auto loan early will see a decrease in their score, but where you still are keeping 1 of your auto loans open, this shouldn't be the case. If you just transfered the balance to another account, such as a credit card balance transfer, then you probably wont see a change. Unless, your balance transfer changes your credit card utilization ratio. Then, your score will probably drop if you don't have enough of a cushion between your credit card balance and your credit card limit.