FICO® Scores are calculated from a lot of different credit data in your credit report. This data can be grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining your FICO® score.
These percentages are based on the importance of the five categories for the general population. For particular groups - for example, people who have not been using credit long - the importance of these categories may be somewhat different.
My question is if given the types of credit can impact your score, does the fact that the TLs are active or closed make a difference. In other words, if I pay off a car loan and it had a perfect history, will you loose "credit" for the account if you have no other installment loans? Does it look back at previous history and say the installment requirement is satisfied? Or, does it say "whoops" one of the "positive" trade lines are missing and make an indeterminate deduction?