One more quick question - this time regarding auto refi. how much would my score go up if i paid off my auto loan? got an offer from generations bank to refi my auto loan - and they do not report to any cra. If i took them up on their offer - it would appear as though my auto loan has been paid off. how much do scores usually go up after pay off? orig loan ammount: 16K payoff amount approx 10K thanx in advance for any info on the matter.