<prompt> Human: I had an Auto Loan with Honda. Refinanced with a credit union to reduce my interest rate. This was done about two weeks ago. Just got a credit score update from Chase Journey stating my credit score dropped significantly. It also states my account is still open with Honda. And that I owe 25,000 12,500 w credit union and 12,500 with Honda my only debt should just be with that credit union. Should I wait this out or is this a red flag?  <response>: Its timing, most loans only report every 30 days. Give it 3 to 4 weeks and it should clear. My student loans took 60 days to show as closed when I paid them off. 