<prompt> Human: In the last month.Ive zerod my balance on 3 of my cards Ive had one inquiry for my refi happen to And have done no other actions.Before that I was at 800 now Im at 765what gives?!?!  <response>: You want some utilization on your cards. Ideally 1-9 on one card, the rest 0. If they are all zero, that will drop your score. 