I had a loan with Dyck O'neal Inc. that was created as part of a settlement after a short sale of my home in XXXX. I had this loan from XXXX until the autumn XXXX when I paid the loan off and closed the account. I was offered twice a year by Dyck O'neal a 15 to 20 % discount on the principal of the loan if I paid it off all at once instead of the installments. This past fall I had the money to pay off the remaining balance of about {$5000.00}. I took the offer of a 20 % discount and paid the loan off and closed the account. I learned today as I was checking my credit score in preparation for a new mortgage application that I was reported by Dyck O'neal to the credit agencies as having paid my loan off for less than the agreed upon amount. This is a negative report that has resulted in dropping my credit score over XXXX points from XXXX to XXXX. My XXXX score is XXXX, my XXXX score is XXXX and XXXX is XXXX. Dyck Oneal apparently does not report to XXXX. I called Dyck O'neal and they said they have no control over how they report to the credit agencies which I think is a lie. They also never once explained in any of the twice yearly teaser coupons offering a 15-20 % discount that it will be considered a negative on your credit. They never told me this in any conversation I had with them when I called to pay off the loan. They were all too happy to take my money. How can they say I paid the loan off for less than the agreed upon amount if they agreed to offer me a discount so I would pay it off sooner. I ca n't have paid a loan off without them agreeing to it correct? I feel this is extremely deceptive and also harmful to my financial condition because I will now have to pay a much higher interest rate on a loan. 
