<prompt> Human: Im looking specifically at my FICO score, using my Discover credit card app and through another credit cards app, so Im getting this information from 2 places. Both show my credit as 690s when I had a revolving usage of 15-ish on all cards and 15k of student loans remaining. Im in a better place financially now so all 3 of my cards have been paid down to 0 for the last 3 months. I checked my score a few days ago, and it dropped to 660s right after I paid off all my cards in full last October. I did absolutely nothing except pay off my credit cards, no inquiries, no big purchases, no loans, nothing at all. The credit cards are all still open and the credit is available. I looked for signs of identity theft but found no accounts or inquires that I didnt recognize. Im not an authorized user on anyone elses credit card.I had a 3 medical bills that went to collections about 3 years ago before being paid. Other than that I have no missed payments or late payments. Ive only had a credit card for the last 4 years, so my credit is still sort of new. Discover and my other card issuer both increased my line of credit last year. I dont have any loans, and I paid cash for my car. I dont have a mortgage -- only student loans that I paid off about 3 months ago, at the same time as the cards. Is not having a credit card balance any more hurting my credit? I thought carrying a balance was always bad? Im so confused, any insight would be greatly appreciated.  <response>: Credit score drop is normal, but you paid off credit cards and student loans! This is a big deal. You can rebuild your credit. 