20 point score drop

[Heatherkins]

Yesterday, I went car browsing. I did not do any hard pulls and no new inquiries popped up but I got this 20 point drop notification.  I did a soft pull through my existing banking institution (BoA) but that should not affect my score. 

No new updates to utilization or anything else. Is this drop because I do not have a car loan? 

[FireMedic1]

Do you have any loans that were paid off. Especialy 1.

[Heatherkins]

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@FireMedic1 wrote:

Do you have any loans that were paid off. Especialy 1.

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Nothing recent. My student loans and all other car loans have been paid off since 2018-2019.

[SouthJamaica]

You would need to compare your report to the report from the day before 

[FireMedic1]

@HeatherkinsDo you have any open loans at all?

[Heatherkins]

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@FireMedic1 wrote:

@HeatherkinsDo you have any open loans at all?

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Yes. I have a mortgage! 

[Ficoproblems247]

Did you pay all of your credit cards off and let them all report at a 0 balance? That's usually right around the range of points you can potentially lose when you go from a couple of cards reporting a low balance, to all cards reporting a 0 balance.