@Anonymous wrote:All you need to do is employ the SSL technique and you'll get back all of the points you lost and possibly a few more.
What was your loan utilization just prior to you paying it off? Was it very low like under 9% or was your final payment a substantial one where you were over 9% of the original balance on the loan right before you paid it off?
BBS .... turns out it wasn't a loan, it was a credit card balance.
