This may be a dumb question

[Journey]

but here goes...

my SLs were paid off a couple weeks back.

(wait for it...)

Over $90,000 paid in full, from balance reported last month of same, over $90,000. 

They were actually consolidated, but the new acct has not hit my CRs yet, so it just looks like I paid them off. 

I was just so shocked that all I got was a SW alert that they were paid, no change in score.

Do SLs not affect your score when paid off?

I guess any score increase I got would have been temporary until the new acct hit, but I am genuinely curious!

Thanks!

[llecs]

I would have expected a small increase if that was the only installment debt you had. In general, installment utilization is such a tiny part of your score. If you had no other open installment loans, then maybe the small gains (single digit at best) were offset by the closure of your installment loan and the missing mix of credit if this left you with no other open loans.

[Journey]

Thanks!

What you are saying makes sense.

It's just so wierd that we are all trying to get out of debt, and here my reports show that I paid 90,000 of about 91,000 off.  And nada, zip, zilch. 

All for the best though, because I don't want to lose points when the new consolidated accts hit!