<prompt> Human: Hi! Basically what the title says-- I used to live in an apartment complex, paid my rent online and elected to have it reported to credit bureaus. I moved out of the apartment in June to move back in with my parents to save money and pay down debt. This month, the online website I used reported me no longer using the website as a closed account and my credit score has dropped 30 points even though Ive been paying down credit card debt. Can I dispute this or fight this or something? It doesnt seem fair-- I didnt have a credit account I closed, I just stopped using their service.Assistant: Not a professional by any means but any closed line of credit will drop your score, especially if you have other debt youre paying down.Same thing happened to mine when I closed a high interest card that was charging me a monthly fee. It jumped back up a month or two later so just keep an eye on your score.Human: Sure, but I didnt have a line of credit through this site. It was just an online portal to pay rent.Assistant: Yes but since you said they gave you the option to report to credit bureau Im thinking it worked like one of those rent to own places. You essentially closed the source of the reporting which acted like a closed line of credit. Again, not a professional, just offering a possible explanation. Can you call the complex and ask them how the reporting worked??Human: Hmm, not sure. It wasnt the companys website, they outsourced it. Maybe Ill get in contact with the website they used. Thanks!  <response>: Sounds like everything worked as intended. You got X months worth of positive payments, you no longer live there, so the account is closed. Itll be a temporary hit, I wouldnt even worry about it. 