I had a car loan that was paid off in June of 09 when we bough another vehicle. Basically, the new dealership "paid off" the old loan and added the balance to the cost of the new vehicle. My credit report says that the old loan is closed, that the balance is 0, and that the past due balance is 0. However, under "current account status," it says that the account is 30 days past due. In the little monthly boxes at the bottom, it says that April's payment was 30 days past due, but that May and June were both "ok." Am I correct in assuming that this is an error? And, does it affect my credit score,(I know that April's payment does- I'm wondering if the "current status" box does also) since it was obviously reported as "ok" the month it was closed.