<prompt> Human: Im not really that concerned. The only debt i have left is my house. I dont finance anything. I just got in a hole with 2 credit cards and decided to finally pay them off from a savings account. They were still in the zero interest introductory rate. One was about to ramp up to full interest, so i just paid them off. Interesting though. 45 point drop from TransUnion from 732 to 687.I dont plan on using credit cards ever again. So i dont know that it really matters until i sell my house and try to buy another one.I assume it will crawl back up based on mortgage payments?  <response>: It doesnt matter. I swear those credit scores exist to convince you to use credit more. 