<prompt> Human: I was able to finally pay off my credit cards and it shot up to over 750 from 585. All credit bureaus report the score too. Whats the best way to get them reduced? I tried calling them and they say that I dont have any offers to lower them. Im thinking about going to the banks in personchase and wells fargo; cap 1 and nordstroms will be tricker?  <response>: call and ask and be prepared to hear no. 