Im very aware of why they dropped it, the issue is that it dropped in the first place. You shouldnt be penalized for paying off debt, all of that should be factored in. You saying it dropped because, credit age, history, number of accounts doesnt mean anything because the main issue is that it dropped in the first place. A lower credit score is a lower credit score and when paying something off makes you appear overall shittier as a lendee that is complete bs. My credit has not risen back to the same score since that hit, only a couple points for hard inquiries dropping off and lower debt utilization from paid off credit cards. I paid it off in march 2022 ON TIME. Not paid off early. Saying Im better off is objectively false. There is no benefit to paying off that car loan other than total overall debt amount dropping and that provided nothing to my score, I was better off with the loan and having the payment history and account history boosting my score. The idea that paying a loan off helps your credit score in the long run or that it doesnt negatively affect your score at all is on par with thinking banks are looking out for your best interests which you seem to think for some sad reason. Banks dont care either way, they know youre going to pay the money back and if you dont, theyll find someone who will and saddle you with the consequences. Thinking they care about your credit score outside of getting money in interest off of you is laughable. Thinking they want you to pay a loan off when their money maker is time and interest is on another level of living in lala land. Extensions exist for a reason. Banks would prefer that you stay in debt and paying them. Its only an issue if you dont pay them at all and credit scores take advantage of this.

Edit: This doesnt change the fact that you said credit scores dropping after paying loans off is absolutely false, which is not true. Now youre saying well these are the reasons they dropped but your first statement was it didnt happen at all. Choose a side.