* squints *
* attempts to bring a Friday-evening brain to the task *
OK, you closed, as in paid off, or you closed on a cash-out re-fi? I'm guessing that you closed on a new re-fi, and it will probably start reporting in December. It will show as a new account, of course. Do you have any other accounts opened within the last 6-12 months? If you do, you've already been hit by the new account ding. What's your AAoA without the re-fi, and what will it be when it shows up? (Remember that it will show as being opened in October, not in December when you finally see it.)
You probably won't see a score change from the original, now-paid-off loan showing $0. That's over on the installment side, and installment util is pretty low-impact for most of us.
What was the CL on the HELOC, and what was the most recent balance? If the CL was in the $30-$40k range (lower for EX), it might have been counted as part of your revolving credit, and having the balance gone will help. You'll lose the CL too, of course, but if you had used a lot of the CL, it was acting like a high-util CC. If the CL was $50K or more, it was not being included in your revolving util, so you won't have as much of an impact, although I think that TU pays a lot of attention to HELOC balances, per the sim.
You shouldn't see any change on your AAoA (or longest history) from paying off the original loan. Remember that it will report for up to 10 years (possibly 10 weeks for EQ, you never know), and during that time, it's still counting for your AAoA. If you get the back-dated Costco age of 12 years, it's still a bit less than your current AAoA or 13 years, so it will drop your AAoA a bit. How much depends on how many accounts you have and how they're distributed in age on your reports. As long as the new account doesn't drop your AAoA from 13 years - something months to 12 years - something months, you shouldn't see a score change.
OK, off for an adult beverage. If I misinterpreted your situation, please post back. It was a looooong week.
* attempts to bring a Friday-evening brain to the task *
OK, you closed, as in paid off, or you closed on a cash-out re-fi? I'm guessing that you closed on a new re-fi, and it will probably start reporting in December. It will show as a new account, of course. Do you have any other accounts opened within the last 6-12 months? If you do, you've already been hit by the new account ding. What's your AAoA without the re-fi, and what will it be when it shows up? (Remember that it will show as being opened in October, not in December when you finally see it.)
You probably won't see a score change from the original, now-paid-off loan showing $0. That's over on the installment side, and installment util is pretty low-impact for most of us.
What was the CL on the HELOC, and what was the most recent balance? If the CL was in the $30-$40k range (lower for EX), it might have been counted as part of your revolving credit, and having the balance gone will help. You'll lose the CL too, of course, but if you had used a lot of the CL, it was acting like a high-util CC. If the CL was $50K or more, it was not being included in your revolving util, so you won't have as much of an impact, although I think that TU pays a lot of attention to HELOC balances, per the sim.
You shouldn't see any change on your AAoA (or longest history) from paying off the original loan. Remember that it will report for up to 10 years (possibly 10 weeks for EQ, you never know), and during that time, it's still counting for your AAoA. If you get the back-dated Costco age of 12 years, it's still a bit less than your current AAoA or 13 years, so it will drop your AAoA a bit. How much depends on how many accounts you have and how they're distributed in age on your reports. As long as the new account doesn't drop your AAoA from 13 years - something months to 12 years - something months, you shouldn't see a score change.
OK, off for an adult beverage. If I misinterpreted your situation, please post back. It was a looooong week.
hauling, Whew! You're good!
I am trying to get my Monday-morning brain to operate and may have to consider an adult beverage as well. (it's 5 o'clock somewhere!) 
I'm going to attempt to digest and will post the results.
D-R
@Anonymous wrote:hauling, Whew! You're good!
I am trying to get my Monday-morning brain to operate and may have to consider an adult beverage as well. (it's 5 o'clock somewhere!)
D-R
HTSU, I tried, honest! I just couldn't wrap my brain around it, so I decided to wait. After all the work you put into answering the question, I don't want to leave you hanging though.
Yes, the refi funded last Tuesday, $ in the bank. I got the payoff numbers for the other property and wired it this morning for a payoff no later than tomorrow. Yippee! CC's paid early but they'll report small balances anyway. Dang it! Still less than 1% tho. I've been pulling CR's from CCT all week, no changes. (I did find out that my lender only pulled my CR's once, when I apped!!)
If I have this right, with my paid off loans having -0- balances and closed, the new refi not reporting until December, I may not take a hit until then. (I'm counting on BOA and WF to report the payoffs on Nov. 1st for this to work.)
As for the Amex Costco, I got a very pleasant surprise. I've been a member since 1992! (My, how time flies!) The revolving HELOC was only 7 yrs, so I'll gain 10 on AAoA? Maybe?? 
The only thing that would be a minus is if they cheap out on me on the CL. (I would like to at least match the amount of the now closed HELOC for UTL.) I couldn't get any info from Amex without apping and I want to app in the store.
I'm itching to pull FICO's from here before the 1st of November! I know my scores are good, I'm just very curious to see how all of this affects them. I'll post when I find out.
Thanks again!
D-R
Still waiting.......... *&#@!! It's been a month today and BOA still has not reported my payoff!! Fortunately, WF did on the 10th. Checked myFICO TU, no drop! Applied and got Amex Costco, no drop! I'm a happy camper! (Except for BOA!)
They always report! Calling back Monday and if I get the same CSR I'm gonna pull him through the phone! 
D-R