<prompt> Human: I checked my FICO score today I get a report every month with my discovercard statement and it went down 10 points. The reason given was LACK OF RECENT ALLMENT LOAN INFORMATION. I am pretty pissed because I really wanted my early pay off to HELP me. Is there anything I can do? E: Thanks for all the help, my question has been answered in abundance. Thanks for any help. Assistant: 10 points isnt a huge drop. Whats the actual score? If you really want those 10 points back you can open a savings secured loanHuman: 742--732 FICOAssistant: Unless you are going to apply for credit in the next 30-60 days I wouldnt stress your score too much. The biggest factor is paying on time, not letting anything go to collections, and to a lesser extent having a few accounts with a long history i.e.: dont close 0 fee credit cardsDo you have balances on credit cards? Multiple cards with balances? You can get a boost in credit score if you let one card report a small balance and everything else 0: 2 trickHuman: Thats an interesting trick. Do I need to let the 2 sit only until my payment due date, or should I let it go past the due date so it accrues interest? Does it make a difference?  <response>: Dont pay interest. Pay total balance -2 by the due date so your next statement has a 2 balance. Keep an eye on the statement balance, minimum due, etc and make sure you are paying the statement balance to avoid interest and arent making a late payment. 