<prompt> Human: So I watch my credit score through credit karma and it recently went down. When I looked into it, it was due from my wellsfargo dealer service account being updated to closed. How the fuck can paying off a debt in a timely manner HURT my credit? Edit: Thanks guys - I figured the car went from liability to asset, which is why I wondered why it can hurt me. Credit scores are super confusing to me, so thanks for talking me off the ledge about freaking over it.  <response>: Relax. Consumer credit score is not your Fico score.Your car just went from a liability to an asset. 