My oldest account on my credit report was my school loan. Last time I checked my score was 804. This past July I made my last payment on my loan so it is paid in full. What impact does this have on my score. The only recent things I have done recently are a inquiry for an apartment I am now renting and rental insurance. I have no debt. I only have one credit card with zero balance in which I use every now and then. I want to be able to buy a house but am afraid to order my score b/c I know to get the best rate you need at least 760. I should have gotten preapproved prior to loan ending---LOL! Can anyone help?
