You're under no obligation to remain the same person you were a year ago, a month ago, or even a day ago. You are here to create yourself, continuously.
@ThrillaRilla369 When you paid the off, the closed. That is what caused your credit score to drop.
If you have a credit card, pay it off and close it, your credit score will drop. But, pay it off and leave it open, and your score will stay the same or go up.