<prompt> Human: Hi rpersonalfinance, I have 100 on time payments, no delinquent accounts, and 0 credit utilization at the moment. Why the heck did my credit score drop for paying off my student loans early???  <response>: 10 points is nothing. Dont obsess over your credit score. Basically what happened is you have one less line of credit and your average length of credit history has changed.This is a great monkey to have off your back. Id trade it for 150 points off my credit score. Congratulations. 