<prompt> Human: I know that CKs score is a simulation, Im really hoping that paying off my student loan didnt legitimately lower my score. Any help would be appreciated.  <response>: Its actually not that rare to pay off a loan and the credit score goes down. Theres one less open account in your name, average length of account goes down, etc. Dont sweat it. It should be temporary. Having that loan paid off is more important than a temporary drop in credit score. 