My credit score dropped 30+ points from that and has never recovered since.
How much time is “since”, and your credit score according to what/who? If it’s Credit Karma, keep in mind that its scoring method “VantageScore” ‘zaps’ a closed/paid off account from your credit history immediately, but none of the credit reporting bureaus work that way, they continue to consider the paid off loan with respect to account age/etc. for a number of years afterwards.
Based on how the blanks are filled in above, you may have your fair share of “clueless”, so I wouldn’t be so hasty to call people “clueless liars” (not to mention that if someone is wrong because of lack of knowledge, that by definition is not a lie).
How much time is “since”, and your credit score according to what/who? If it’s Credit Karma, keep in mind that its scoring method “VantageScore” ‘zaps’ a closed/paid off account from your credit history immediately, but none of the credit reporting bureaus work that way, they continue to consider the paid off loan with respect to account age/etc. for a number of years afterwards.
Based on how the blanks are filled in above, you may have your fair share of “clueless”, so I wouldn’t be so hasty to call people “clueless liars” (not to mention that if someone is wrong because of lack of knowledge, that by definition is not a lie).