<prompt> Human: Soo...10 years ago I signed up for a martial arts class. 150month for 1 year. I actually got my moneys worth and moreBut... 1 The instructor made a trans-Union account under my name? Wtf?2 Its showing as a cash advance for the year amount, and a payment of 150month. Its fully paid off and closed, but Im finding out this is a ding on my credit. Technically its not wrong, just messed up. Can I dispute it? Assistant: What you did was sign up for a retail installment contract for 1800, paid down monthly instead of a 150mo class. The contract is structured this way so that if stop coming and want to stop paying your membership fees then they can force you to keep paying. Im glad you got your monies worth.Something this old and paid in full should be a positive tick on your credit rather than a negative.Did your insurance specifically state this was a negative and caused them to raise your rate? I believe they are required to provide you with the credit results that they used in their calculation, but I havent seem them point to a specific line and say this.Human: Im still fairly young, so I literally only have credit cards, and this one thing on my credit history that fits the description. -Number of personal finance loans is 1 or more. Optimum value is 0. -  <response>: While we dont know exactly how the credit score is calculated, its a relatively small, old, paid-in-full load is not likely significantly impacting your score. 