<prompt> Human: I recently was involved in a hit and run car accident. My insurance company deemed the car to be a total loss. After my insurance company paid off my car loan, I got an updated credit score on Mint.com, which was 36 points lower than it was a month ago 790 to 754. The only other change that occurred with my credit is I opened a new credit card account, which I was approved for, and Mint switched to TransUnion score reports.I am curious as to why my score would drop so much after a loan was paid in full?Or would my score drop because Mint.com now uses TransUnion instead of Equifax to report scores?  <response>: When a loan is paid in full, your average age of credit changes, your total available credit goes down, and your utilization goes up. This can lower your score temporarily.Opening a new card can potentially lower your score as well, between the hard inquiry and the lowering of your average age of credit. 