<prompt> Human: According to Credit Karma, that is.But still, I am so mad! Recently I have been working really hard trying to pay down all of my debts. Last week I thought I was finally starting to get somewhere as CK was reporting my credit score as 700 over 700 is a first for me. Some backstory on the steps that I took preceeding my 700 score:About a month ago I had made some big pay offs to my debt. I went from 96 overall utilization to under 50. I was feeling really good about this and so I thought I would give Care Credit a call and ask if I could get a limit increase on my card - and I was thrilled when they approved me to extend my credit limit from 800 to 2400. The day after I received a limit increase, I took a chance on responding to a pre-approved offer for a Cap One platinum card because I figured why not? and much to my amazement, I was approved for that as well! 1000 limit. Getting back to this morning, I was excited to log in to Credit Karma to see the ramifications of the past months credit successes...only to see that my credit score took a -60 point hit. When I checked the reason why listed by credit karma it says my credit score changed because my overall debt decrease by 350... Because decreasing my debt is proper justification for a 60 point hit? Right.Anyways, I just felt like venting to rpersonalfinance about it. I know that I should not put too much stock into CK...but man, I was so excited to see 700. If anyone has any tips and tricks that could help me get my score back up, Id love to hear them. Assistant: Are you planning on getting an auto loan, mortgage, etc anytime soon?Human: I currently have an auto loan, but no... Im not trying to get a new loan any time soon. Maybe finance a bed this summer.  <response>: Many people here would advice against financing anything other than a house, education or a car. You can often find very lightly used beds on craigslist and throw an allergy and bug proof zip up cover on it. If you have to finance a bed, you probably cant afford it. 