Just checked my score, the only thing that changed was that my car loan went from "to new to rate" to "paid as agreed", the result , my score went down 31 points
Thanks ohno, yeah I thought I would have gotten a few plus points, not the opposite. But yes I agree it's a RNG, b/c while I am only 15 points higher then my hubby now, I have about 80% of available credit, he only has about 40%, my debt ratios alone are much better but the scores don't reflect it.
That seem right about the score - FICO "right", not that that is how it should be. I played with the score simulator there and did a car loan, always came up with a 15-30 point drop.
