How much will my credit score fall now that I paid this off?

[tboy1977]

I got an installment loan in 03/2011 (same month as bankruptcy discharge).  Never late.  It was suppose to mature 9/2012, but after paying it a little early, I realized my balance was $3.92.  I was going to wait until next month to pay it to keep the tradeline open, but I decided to pay it off.  So, now that the installment loan is paid off, once the credit reports get wind that I paid it, how much will my score fall?  And how long will this depress my credit score?

[pizzadude]

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@tboy1977 wrote:

I got an installment loan in 03/2011 (same month as bankruptcy discharge).  Never late.  It was suppose to mature 9/2012, but after paying it a little early, I realized my balance was $3.92.  I was going to wait until next month to pay it to keep the tradeline open, but I decided to pay it off.  So, now that the installment loan is paid off, once the credit reports get wind that I paid it, how much will my score fall?  And how long will this depress my credit score?

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I wouldn't expect much of anything to happen to your FICO score.    Installment loan utilization is a much smaller component of FICO scoring than revolving utilization.