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> For example, paying off an auto loan shouldn't make your credit score drop 60 points.

Sounds like it's working to me. Uncooperative credit slaves pay less money in interest.



If that was the intent you'd expect your credit score to be lower if you don't carry a balance on your credit card, but that's not the case. https://www.experian.com/blogs/ask-experian/will-carrying-a-...




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