<prompt> Human: My credit score was up in the mid 700s and now Im down to 670. I checked credit karma and the only thing that i see different compared to before is that my toysrus credit card was closed. It was paid off long before they closed it but why would my credit drop so much when its not even my fault.  <response>: If you are carrying any credit card debt,losing the Toys R Us credit line would increase your overall credit utilization ratio.That can heavily ding your score. 