I had the same thing happen when I paid off my car last spring. It was the end of the term and paid in full, but I still lost 15 points even though I still had an open personal installment loan in good standing? I had no other changes of any sort happen on my CR until October when I decided to give my car to my son and buy me a new one at which time I financed a new car which in turn opened a new installment line and I figured that my report would probably just even out since the AAoA would be hit with the new account, but the installment loan should add a few points to cancel out the hit to the AAoA, but in January much to my surprise I had just the opposite happen. Not only did I recover all 15 points I'd initially lost, but also gained an additional 3 for a total of 18 points! So yes...I think you're fine and you will def recover all that was lost and then some more than likely, especially if you add the amex for backdating. Good Luck and CONGRATS on the mortgage...that is awesome!!! 
Hmm.
My auto loan was just paid off today and I have 3 installment loans still open on the report. Guess will see if there's a difference there, I'll be more than a little irritated if so.
I read more complaints of SEVERE score drops from Equifax then any other CRA. And i'm no exception to their Dastardly FICO accounting. EQ is been and remains my most constantly low score of the 3. Back at Christmas i applied for a CU Visa Card and after it arrived i almost fell backwards with the enemic 649 that came with it. Lucky they even approved me with that sick a score while the other 2 were very near 700. Equifax for me and apparently most others is a disaster and transitioning to the new 08 is made them even worse. There's no hope as far as i can see it with that Atlanta based outfit. I deliberatedly avoid apping now for any lender that might pull Equifax and put my new credit building out of business.
Why are they such gutter dwellers? 
@CreditMagic7 wrote:I read more complaints of SEVERE score drops from Equifax then any other CRA. And i'm no exception to their Dastardly FICO accounting. EQ is been and remains my most constantly low score of the 3. Back at Christmas i applied for a CU Visa Card and after it arrived i almost fell backwards with the enemic 649 that came with it. Lucky they even approved me with that sick a score while the other 2 were very near 700. Equifax for me and apparently most others is a disaster and transitioning to the new 08 is made them even worse. There's no hope as far as i can see it with that Atlanta based outfit. I deliberatedly avoid apping now for any lender that might pull Equifax and put my new credit building out of business.
Why are they such gutter dwellers?
Because until recently we only had detailed FICO score monitoring from Equifax... and the legions of Scorewatch subscribers are the ones posting in my experience.
With the new 3 bureau monitoring, we're starting to see things from EX at least and I'm guessing TU as well though I haven't been paying much attention as of late.
My EX/TU scores have typically sucked less than EQ as well even regardless of model chosen even though they are dirtier reports (TU has an additional collection, and EX still has a second tax lien as I've been lazy in writing into them for an easy dispute, I *hate* snail mail).
@Revelate wrote:
@CreditMagic7 wrote:I read more complaints of SEVERE score drops from Equifax then any other CRA. And i'm no exception to their Dastardly FICO accounting. EQ is been and remains my most constantly low score of the 3. Back at Christmas i applied for a CU Visa Card and after it arrived i almost fell backwards with the enemic 649 that came with it. Lucky they even approved me with that sick a score while the other 2 were very near 700. Equifax for me and apparently most others is a disaster and transitioning to the new 08 is made them even worse. There's no hope as far as i can see it with that Atlanta based outfit. I deliberatedly avoid apping now for any lender that might pull Equifax and put my new credit building out of business.
Why are they such gutter dwellers?
Because until recently we only had detailed FICO score monitoring from Equifax... and the legions of Scorewatch subscribers are the ones posting in my experience.
With the new 3 bureau monitoring, we're starting to see things from EX at least and I'm guessing TU as well though I haven't been paying much attention as of late.
My EX/TU scores have typically sucked less than EQ as well even regardless of model chosen even though they are dirtier reports (TU has an additional collection, and EX still has a second tax lien as I've been lazy in writing into them for an easy dispute, I *hate* snail mail).
Thanks Revelate.
I think i've pinpointed at least some of what MIGHT be dragging down my Equifax score. My auto loan from a local CU doesn't report to them but the unsecured personal loan does. Conversely my unsecured personal loan doesn't report with Experian but the auto loan does. They both report to TransUnion which perhaps explains why that score is highest of the 3 CRA's.
I read in these same forums i belive that a pair (2) of active installment loans account for some boost under the new FICO 08 scoring system.
Does this sound close to right?
@CreditMagic7 wrote:
@Revelate wrote:
@CreditMagic7 wrote:I read more complaints of SEVERE score drops from Equifax then any other CRA. And i'm no exception to their Dastardly FICO accounting. EQ is been and remains my most constantly low score of the 3. Back at Christmas i applied for a CU Visa Card and after it arrived i almost fell backwards with the enemic 649 that came with it. Lucky they even approved me with that sick a score while the other 2 were very near 700. Equifax for me and apparently most others is a disaster and transitioning to the new 08 is made them even worse. There's no hope as far as i can see it with that Atlanta based outfit. I deliberatedly avoid apping now for any lender that might pull Equifax and put my new credit building out of business.
Why are they such gutter dwellers?
Because until recently we only had detailed FICO score monitoring from Equifax... and the legions of Scorewatch subscribers are the ones posting in my experience.
With the new 3 bureau monitoring, we're starting to see things from EX at least and I'm guessing TU as well though I haven't been paying much attention as of late.
My EX/TU scores have typically sucked less than EQ as well even regardless of model chosen even though they are dirtier reports (TU has an additional collection, and EX still has a second tax lien as I've been lazy in writing into them for an easy dispute, I *hate* snail mail).
Thanks Revelate.
I think i've pinpointed at least some of what MIGHT be dragging down my Equifax score. My auto loan from a local CU doesn't report to them but the unsecured personal loan does. Conversely my unsecured personal loan doesn't report with Experian but the auto loan does. They both report to TransUnion which perhaps explains why that score is highest of the 3 CRA's.
I read in these same forums i belive that a pair (2) of active installment loans account for some boost under the new FICO 08 scoring system.
Does this sound close to right?
2 has been the anecdotal number for a while, even under FICO '04 and I believe earlier but FICO 8 is much more interested in seeing open tradelines when it comes to mix of credit. Installment loans are an interesting beast, and we don't have enough people testing it... and of course I simply sidestepped the issue in opening up another pair of installment loans before my two ones closed (just finished paying my auto loan going from 4 open to 3, we'll see what my scores do).
That said, it's entirely possible that is what is causing your own score's to vary, though in my case Equifax has all of my current and old installment history, and even has a prior closed one too (though that one was only 7 months) compared to TU and my FICO 8 scores vary roughly 15 points, which is in line with FICO expectations (30 points) but hard to pinpoint and say yup, that's it!
Though I will admit missing positive information is a prime culprit for a lower score, it just may not be the only one. I'm pretty well convinced at this point that Equifax simply doesn't like me, even if I know that's irrational .
Equifax definitely doesn't like me either given their consistentency in endless very low scoring when compared with Experian plus TranUnion over a reasonable enough measuring period, so i do relate even if as you express, though it's irrational 