Money is the worship of a pure abstraction. Money is religion. It's the religion we were all inducted into. We perform rituals to gain the symbolism of our worship in the form of papers, sing metals, and abstract credit. We have faith in our religion, based on the morality and parables we've created around it. Should you lose your faith In the great pure abstraction, there are many broadcasts that evangelize it, justify its existence, and tells you how to live by its virtues.

A 35 point drop should either be a temporary blip, or a result of having practically no other credit.

A significant portion of your credit score is the average age of accounts. When an account closes, that is no longer accumulating time (this is also why you should just keep credit cards you aren’t using open, and if they have an annual fee, have the issuer change it to a free card if they can, I.e Chase Sapphire down to Freedom).

Another portion of the score is debt-to-limit ratio. If that goes from $250:$10,000, down to 0:0, you look a lot worse as a credit customer.

Not sure what her financial situation is, but if the loan on her car was the oldest thing on her credit report paying it off will lower the average age of her credit history and that can lower your score.

If she had a credit card that was opened before she got the car loan and never missed a payment on the credit card, paying of the car would have raised her average credit history and raised her score.

It's not some secret how this stuff works, Credit Karma tells you all this.

The numbers Mason, what do they mean?