<prompt> Human: We are in the midst of paying down our debts. I have been watching my Credit Karma score monthly and it just recently went down 4 points because apparently we owe 172 less on our mortgage. Is my score going to continue to go down as we pay down the debts? We owe 34 K in PLUS student loans, 24K in 2 car loans and 88K on the mortgage. No balance on credit cards. I have been gradually building my credit score up; its in the high 700s so Im paranoid about it going down for trivial reasons.  <response>: Stop worrying about your credit score. If you are paying off your bills in full, every month, no exceptions, you are using it correctly and your score will gradually improve. Single-digit fluctuations arent something you should even pay attention to, much less worry about. 