OppLoans follows industry standard guidelines for credit reporting, and these standardized guidelines indicate how to report installment products, such as a paid off OppLoans account.
Due to the guidelines provided, we report accounts that are paid off with a code that indicates the account is both paid and closed. Each credit bureau and each third party website that shows information from a credit report has different methods of reflecting the information provided to them and may reflect the same paid and closed remark differently.
If you have further questions about how each credit bureau reflects or scores information provided to them, please reach out to each bureau directly, as the information may vary bureau to bureau.