<prompt> Human: Ive been using Discover to monitor my credit score over the past several months. I have 3 cards that I use for the rewards, plus a best buy account that I use for rewards. I never carry a balance; I pay everything off every month. I do have student loans that I pay more than the minimum for. Ive seen my score steadily drop from 750 to 720 when it doesnt seem like Im actually going anything differently. What could account for this?  <response>: Difference in monthly utilization. Dont worry about it too much. There is an ebb and a flow to this kind of thing. 