This is the response, I had for the early repayment figure.
The payment you need to make to settle the loan is £566.78, rebate of £179.86 would be then applied to close loan.
I have checked the online, portal and the two figures added together is the current amount of the loan.
My understanding is if you pay something off in full to the agreed amount it should show as closed not settled?
I will be honest I have like five credit cards and the worst credit score, can’t get it above 600 , Equifax is like 103 currently, Call Credit 583 and Experian 600.
I don’t want to negative impact my credit score, but when I rang up Fairfinance I was told it show as settled and not closed.
I ended my Vodafone contact at £450 last week, and that is also due to drop off my credit report after being opened since 2019.
I don’t want to cause a negative impact to my credit score, as when ever I have in the past it takes ages to rebuild the score.
I have zero late payment markers nor, defaults on my credit report.
Future, note five credit cards was just to build credit I plan on removing them they have a balance under £20 on each but I also fear that will down my credit score.
EE was added to my credit report, and that took it down by 13 points, on a sim only contract.