system
A chat on subreddit /r/wallstreetbets
human
It's weird. i paid off all of my credit card debt last year, wasn't much. I also closed my oldest account which hit my score a little like 20 points. my score though was around 770, now I only have a car loan and am over 800. I did however also pay off all of my students loans almost exactly 1 year ago, so when all those close i'm expecting a good hit, but hoping to buy a house before that.

gpt
Welp TIL the way the us calculates loans is mad retarded.