I had 2 payday loans ( same company ) on Experian that were not supposed to fall off for some time. One was paid / closed / never late and refinaced and should have probably been on until 2026. The refianced was eventually charged-off and should be on there until 2023
Both had been reporting...on Mar 25th the one that was paid / closed ( positive ) was deleted: FICO 8 dropped 6 points and FICO 2 rose by 12.
The charged-off is still reporting.
