<prompt> Human: We took out a loan for a home update last year 36m term was the shortest they would give us and paid it off within 6 months or so.This year I was shopping for a car will finance part of it and noticed my credit score has dropped since last year. Not a huge amount but prob about 10-15 points.We havent dropped any credit cards and havent had much activity in the last year besides the home update. Did the drop come from paying off early?Thanks!  <response>: Any damage to your credit score it may have caused is vastly outweighed by how much you have improved your overall financial picture by doing so. 