It makes sense that your score went down when paying off loans. I have heard that closing accounts, credit lines, and phone plans do the same too. Supposedly because now theres “less history” of your good credit, or maybe just because of lower credit utilization.

Is there a reason for this ?

Might not be such a simple call to make (would endanger others). It might not even be about the law, its probably pretty hard to think after hearing that news.

TIL I might be in a maze

When in a pinch, men might shit through their dick