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vin54

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paid my loan off no late payments but says neg! had bankruptcy year ago
have not been late on any payments even though i filed traded car! car was paid in full and on time!why shows negative on report

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Look more closely at the report.  Does it say "Negative" or does it say "With Comment"   Usually, when its paid off, they'll said "Paid" which is the comment.  While it says with comment that does not make it a Negative.

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If you paid off the car loan, it lowers the amount of debt you're using, which in turn means that your credit score drops. The continued presence of a bankruptcy doesn't change your credit rating since it had first showed up.

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