<prompt> Human: I finally paid off all my CC debt!!! But my TransUnion credit score has dropped -30pts from creditkarma.com and my Vantage score by about -10pts. Why is this? Should I be worried about it? What can I do to up my scores?I still have good credit ratings across the board and want to turn good into excellent!Thanks in advance for any help you give.  <response>: Why does it matter, isnt it more important to have no CC debt then to have 30 more points on you credit score? If you score is still good it will have virtually no effect on any part of your life. Being debt free is so much more important. Just keep the accounts active and in good standing, paying the full balance every month. This will build a longer history that will help the credit score go up. I would not recommend paying to get your credit score. It just doesnt matter that much, check your credit make sure everything is accurate, but dont stress over every point. 