Paid off loan, score dropped 2 points?

[Anonymous]

My FICO8 on Experian had recently reached 776 (paid all my cards to 1% use).

I also paid off a Consumer Finance Loan -> PAID $0 Balance and the score dropped to 774.  Not a big issue, but was the opposite of what I thought would happen.

[AllZero]

Do you have any other open installment loan(s)?

[OmarGB9]

Need to have 3 CCs + 1 installment loan OPEN in order to have optimal scoring.

[Anonymous]

I am a little curious what will happen to my score when my loan reports paid off on the next cycle, and losing that 98% paid boost.

Personal Loan: $113 Reported balance     Highest balance $15,000

I do have an auto Loan is 45% paid off, so I shouldn't lose much if anything, right?

Anecdotally what threshold should I pay it down to if my score does drop more than I'd like, say to 55-60% or $6,500? 

Auto Loan:  $8,518 Reported balance       Highest balance $15,333   

FYI all Card UT is at or under 8%, with only two cards having a balance $700/$12K on NFCU and $600/$11K on CFU.