• eltrain123@lemmy.world
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      9 months ago

      2 of the factors are debt to income ratio and how many accounts of different types are open. If you pay off 99% of a car and refinance 100$ loan for 84 months… does that keep your score up?

    • fruitSnackSupreme@lemmy.world
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      9 months ago

      This is silly anyway. I’ve paid off and cancelled many credit cards and loans, and your score drops by a small amount temporarily. It doesn’t stay down.