<prompt> Human: So, Ill keep this short. I took out a Quick Cash loan from my credit union and paid it off on time. Actually, a few days early. So, I look at my credit report and it says my score has gone up by 2 points because I paid on it, but decreased because the account is closed not the actual bank account, but the loan account and there has been a remark added to my account.Why might this be? Does it only help my credit as long as I still owe? Please forgive my ignorance, I have just started trying to put my credit back together after a young adulthood full of medical bills...  <response>: Credit scores fluctuate. Dont worry about it. It will change in the future anyway. 