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pgrahm

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I paid off 2 mortgages in the last 8 months and each time the score dropped
I believe it is because it shows as "closed account" which it is instead of "paid in full". Paying off and decreasing debt is a good thing so it should increase my score not lower it.

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Not uncommon. You're no longer making monthly paymehts on an installment loan. If you don't have other loans or lines of credit available with credit cards where you're making payments of some sort, then you begin losing credit history.

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