I had an auto loan with a high original balance but I had paid off about half of it at a higher interest rate. When rates came down and and I was able to, I refinanced it at a much lower interest rate zeroing out my original loan. The original loan company, once paid off, closed the account, something I wasn't thinking they'd do, I thought they had to note the balance as zero but not just close the account. So now I have a better interest rate but what looks like a new maxed out loan balance hurting my score and a loan that helped my score closed. Any way to resolve that issue?