utilization?
credit mix?
Do do you have any other installment loans?
Credit Mix. If your auto loan was the only active installment account you had, you would lose a big chunk of the Credit Mix portion of the score when it was paid off.
Past accounts generally don't matter for evaluating credit mix in most FICO scoring models, so only the accounts that are open and active will grant you points. There are a few options for getting them back if you're motivated, like buying another car or house, or a less expensive method such as opening a secured loan and following the technique described here:
